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You would have to build the UI probably a pre-prompt yourself, but yeah it should be fine if the math does work out. I'm not sure it will though, because if it did any company on the planet could launch a thin wrapper around the API, charge less than OpenAI does ChatGPT+, and undercut them that way.

Wasn't it always? I've been using a desktop app that talks to the API to access GPT-4, and I've been paying a dollar or two per month.

Depends on how much you use it, but yes. I personally use TypingMind with the APIs