And risk all of your work being owned by some entity you have no hopes of fighting against and being left with nothing to show for but an atrophied brain because you've offloaded all your thinking to a machine that doesn't belong to you and is not able to be audited.

What is to stop the owners of these ai systems from denying service to users for trying to make a product that competes with them? Or just straight up taking your work and using it themselves?

Why risk it?