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Do you have any idea how much it costs to build a frontier model and how much money it takes to enable R&D at the cutting edge?

No, money is not the only barrier to building things. I think karoathy could build his own lab if he wanted, but it would be years of doing things he doesn’t want. Why waste time running a business when he’d rather be researching?

i can play by myself, or i can join some friends, and make the play more joyful

The overhead of maintaining and running things isn't interesting to most creative folk. They'd rather others deal with the minutiae (managing a company, etc) so they can focus on their thing.

You can’t build “working with amazing people”. At least not in a short amount of time. I bet that this was a significant part of the decision for Andrej.