That said, AI tech is or is quickly becoming freely accessible; unless they have a USP, free / homemade versions will end up competing with the paid services, and it's hard to compete with free.
The future is having your own personal AI assistant, completely free of charge, which is suspiciously eager to recommend shopping at Temu and eating at McDonalds.
Your health insurance company can buy up records from a data broker that show you've been spending 6% more time at fast food restaurants compared to last year and they can use that to raise your rates, but they'll never tell you that was the reason, you'll just have a higher bill than before
An employer can pass you over for a job you've applied to because you wrote something on a social media site 12 years ago that offended their political ideology, but you'll never know that was why, you'll just never get a call back.
If you get arrested, you could be denied bail because some AI decided you were a flight risk or more likely to reoffend if released, but no one will be able to tell you what made the AI decide that and you may not even be told an AI was used to make that choice.
As our lives become increasingly interconnected and recorded and analyzed it becomes extremely difficult for you to be aware of how or why your data is impacting your life, but it would be a huge mistake to assume that it isn't.
Oh, you’re about to have a $x claim this year, your premium is $x + y% admin fee.
Just self insure and save yourself the y%.
Even if a future service doesn't have an obvious charge or subscription, just because you don't recognize how you're being exploited doesn't mean it's truly "free."
There's a reason advertising exists as an industry at all, let alone a global trillion-dollar one. Today's "free" is actually paid for by exploiting user attention and attempting to hack your brain--sometimes in ways that are culturally accepted due to long tradition of use, sometimes in new disturbing ones.
When you solve something tricky, you just basically released that as open source and trained ChatGPT 2030 how to do it without you.