Every software product is a wrapper of sorts and necessarily masks the some functionality of the ingredients it's made from in order to provide a productive interface.
[0] I know there are other kinds of AI but that's not what people mean when they say AI app now, for better or worse.
The difference being they add something meaningful which most AI SaaS apps don't (they have a UI that's not any better than the original chatbots and simply have a system prompt that does something -- which the user could easily enter in their own chatbot through custom instructions and whatnot).