It's private money. At least in my country the government isn't giving a single cent to AI outside of fundamental research projects.
If companies want to bet all their money at roulette they are free to do so.
Does your govt not buy memory, chips, computers? They pay premium for that. In addition, so middle manager in govt will say - I will work only if I have Premium AI Claude subscription. 100s of companies are doing that. They will fire workers - cause unemployment - affects economy- health etc for common citizen.
This bet includes you.
Look at what Elon Musk did to force index funds to buy SpaceX, which is money from places like retirement funds. When there's a bag to be held, it's not the oligarchs that are going to be holding it if they can help it.