The problems only elevates in a market where the AIs are 'free'. If they are paid, and the user has the leverage to walk away with their wallet on any sign of unwanted behavior to a competitor that doesn't do it, it corrects itself over time.
Every industry in America, and especially tech players, work to lock in their customers, paid or not. People who are dependent on their phones don't make choices like that, and anticompetitive behaviors are becoming less illegal and easier
At this point "vote with your wallet" is basically a delusion in contexts like this
This made me think of Asimov's Foundation, the "Church of the Galactic Spirit".
Those who knew how tech works were priests. The rest of the populace were pure consumers.