Yeah, that's probably the most dystopian thing. This is almost a guaranteed outcome - someone pays a high subscription cost and cultivates a model with their personal details for years, and then loses all of it when they can't keep up the subscription cost. Cue a month or two later - they buy back in and their model has been wiped and their AI friend now knows nothing about them.

It's easy to poke fun at people who use these things but I believe these kinds of events are going to be truly traumatic.