Every employee doesn't need $1k in token spend per month, either. That kind of spend makes sense for technical workers in r+d.
Most other workers are served fine by $20-30 worth of tokens on a budget model. You don't need Opus to help support write emails.
No, but you do want Opus-tier models to do desktop and office software automation (think about people who intensely use Excel and the like). Actually those might take even more tokens that coding in a lot of cases. Why do you think Claude Cowork is successful, and why do you think Codex is leaning so hard into Computer use?
I wonder if you will see app makers begin to open APIs (MCPs) up in ways that replace computer use. Computer use via human interfaces is pretty hacky IME, and if you can use an app that exposes spreadsheets in a way that reduces token costs by 90%.
I'm optimistic that the demand for AI accessibility will drive programmatic interfaces in places where companies were previously reluctant to.