If you think Nadella will let OpenAI run out of money, you're dreaming.
As a former AR/VR dev, this is a wild take to me. Have you used cursor? Have you ever had to write copyright for a website? Have you ever tried to learn something new or ideate with chatgpt?
When I was working on immersive apps, I would only ever pick up my device to do dev work. Very rarely would I pick it up outside of that (admittedly, I'm not really a gamer). But I use these new generation of AI tools many times a day.
I fall somewhere in the indie-hacker/entrepreneur/not quite solo-preneur category and these tools have have provided a lot of value to me. I am maybe 3x more productive with them. They are definitely not without their flaws.
If you haven't tried cursor out, I recommend giving it a try
To me AI is like an Ouija board. It works if you believe it works, and if you doubt it it falls completely flat. However it's not magic, I think it's something self-fulfilling in the phrasing. If you approach it with suspicion and prompt it to 'see if it can', the model will auto-complete itself into failure. If you take a sunny, optimistic approach, the auto-complete grants your wish.
It's also just straight up non-deterministic like a roulette wheel, and some people get 100 jackpots in a row (this sucked me in at first, believing the world was about to change) and some people run out of luck so quickly they never got to feel the magic. On average its just OK and kind of annoying and not worth $20/month.
Also, there's no such thing as "Azure credits" at this scale. What they give OpenAI is control over billions of dollars of their capex, which is invested in datacenter scale GPU clusters designed by OpenAI, for their own exclusive use. It has as much in common with a startup getting a $1000 cloud credit coupon as a paper airplane does with an A380.