giving my private data/keys to 400K lines of vibe coded monster that is being actively attacked at scale is not very appealing at all

If this were 2010, Google, Anthropic, XAI, OpenAI (GAXO?) would focus on packaging their chatbots as $1500 consumer appliances.

It's 2026, so, instead, a state-of-the-art chatbot will require a subscription forever.