The problem with the magic for the 80%, is that the remaining 20% takes up the remaining 80% of the time. With the first 80% of the delivery in 20% of the time, the final 20% taking 4x longer because of the lack of understanding of the magic gives no advantage in the end.
Thats if everything goes well. If the 80/20 rule fails, you get the ninety-ninety rule ( https://en.wikipedia.org/wiki/Ninety-ninety_rule ).
RoR lets one build crud without understanding what goes on beneath the ActiveRecord. RoR is great when there is low complexity of the code and it is easy to follow the data through the pipes. Once it goes beyond that, adding complexity to that with the spooky action, highly declarative style that RoR encourages it can be painfully difficult to do - and something that far beyond what the 'write crud in 30 mintes/hours/days' classes offer.
Beyond that, with the failure to understand the before and beneath, one gets the impossible to debug bugs and security holes that lie within libraries that have been imported ( https://williamedwardscoder.tumblr.com/post/43394068341/ruby... ).