You can absolutely disable it. I did when I first saw it.
https://www.jetbrains.com/help/idea/disable-ai-assistant.htm...
is this gonna be some fancy organic label for repos?
Create an empty file named .noai in the root directory of the project.
When this file is present, all AI Assistant features are fully disabled for the project. Even if this project is opened in another IDE, the AI Assistant features will not be available.
https://www.jetbrains.com/help/idea/disable-ai-assistant.htm...
If you’re not paying for it, it’s not on. You can also disable the entire plugin from plugin settings if you want.