$100/mo for ten years is $12K. $200/mo is $24K. When you look at the valuations of the companies providing these tokens, you don't necessarily see these rates going down.
Your argument against privacy is so obviously bad I don't think it needs a response.
Today, most companies and individuals (including me) are still going to be buying tokens from the cloud. But for many it makes sense to go local today, and it seems pretty clear the day where we turn the corner isn't that far away. E.g., suppose the RAMpocalyse eases in 3 years and Apple releases the M7 ultra, which has actually been designed for local inference (and other players are making their moves as well). I suspect it will become something of a no-brainer to do most inference locally, perhaps supplemented by lighter usage of per-token plans from the cloud for access to specialized models.
There is definitely classes of data that you legally can't share over "fucking gmail, whatsapp and instagram" and you can't send to commodity token providers either.
Taking liberties to save money at the expense of regulatory duties is a good way to get hit with a massive fine if you work in financial or health services.
This is a product aimed at niche professionals doing paid work. If you don't need that just move on to something else.
And no, I do not use gmail, whatsapp or instagram :-)
for me, it’s significantly more about the process than it is about penny pinching. it’s why im not an accountant and why i often despise bean counters.
my dad has soooo much money in tools alone for working on cars, faaar more than he’d ever spend at a mechanics. add in the costs he spends buying hobby cars and real estate/upkeep for the garage to work on his cars and it adds up quick. people spend a lot on their hobbies.
look at how much woodworkers spend on tools. look at how much homelabbers spend. photographers, boat/sailing wonks, horse owners, and on and on and on.
add in the above, then the value of the privacy aspects, idealism aspects, potential career knowledge, etc… and it’s obvious that local models will do well.