Might be a bit naive, but by the time 2029 comes around, and AI companies have started 'monetising free users', won't a lot of people/companies have open-source models tuned and tailored to their needs running locally, no provider required?
In the same way you likely don't grow your own food or make your own shoes.
I don't see good local models happening on mobile devices anytime soon, and the majority of desktop users will use whatever is the best + most convenient. Competitive open source models running on your average laptop? Seems unlikely
And 2029 is in 4 years. Four years ago leetcode benchmarks still meant something and OpenAI was telling us GPT3 was too dangerous to release.