Is 100% stable qbits that much of a requirement? I had the impression that allowing some instability (which you have in any real physical environment) is good for running any kind of approximative algorithms, i.e. algorithms that give you a good enough solution with a high enough probability.
Clarifying because my previous message was over-ambitious: I started recently in the domain, so I'm still very much in the learning phase. Take everything I write with a pinch of salt.
That being said, to the best of my understanding, you are absolutely right. It is entirely possible to have algorithms without stable/corrected qbits. However, developing an algorithm without stable/corrected qbits is something that can take years of research and a PhD in quantum mechanics – the only part that looks remotely like programming is that quantum algorithm researchers use Python at some point in their toolchain to setup the system.
On the other hand, while with stable/corrected qbits, there is the hope that, some day, the industry can build quantum processors with gates comparable to the logical gates that power today's computers. This would in turn let developers program with quantum programming languages – in fact, some quantum programming languages that are recognizable as programming languages have already been designed, they just can't run on any actual hardware yet.