Soon, very soon, if you will need something useful, like medical advice, financial advice, you will be told that, well, ok, but you need to pay for an "extended license" that gonna be in thousands of dollars per month, otherwise you need to hire someone who paid that money.
The only hope are Chinese models, as Chinese commies are playing a different game as long as they are behind the flagship models (but it will change soon, like with cheap Chinese cars) and maybe, finally, Europe will start working on their solutions, instead of regulations.
That sounds too dire. My suspicion is building a model either as a derivative or brand new is a solved problem. There are indeed capital constraints today but would wager that over the horizon those go down. If one business is restricting access to something great over the medium term other companies will step up.
I think every business wants to bill on value not usage. That's where the real money is made. If a diagnosis is worth $100 and takes $1 worth of tokens you want to bill as close to $100 as you can. Right now they're billing $1 and barely making money.
What makes the diagnosis "worth" $100? Right now it requires a highly paid human which sets a floor on the cost.
If there's competition from LLMs it's going to drive down the cost.
>What makes the diagnosis "worth" $100?
The opinion of the customer paying for it