Modular smart contract building: Does it make sense?

Hi,

since the UX ist one of the biggest problems in the web3 landscape, is it realistically possible to build a platform that allows you to buid smart contracts by using several moduls (like a puzzle) ? A puzzle could contain "payment", then you connect it with another block/puzzle that defines the kind of payment (in rates or at once) and so on, until you created a contract with your desired conditions/attributes without coding. What do you think about that? What are the biggest problems holding that idea?