> (i.e. paying for third-party solutions)
My experiences are not universal but apart from hardware and maybe $10 for a VPS for hosting, I do not find the need to pay for third-party solutions; I quite like this situation, and I do not find myself particularly constrained taking a little extra time or having to think a bit harder. But, my friend, I must ask, what are LLMs if not third-party solutions with sizable expenditures?
You may be an exception, but most businesses and many individuals pay for a laundry list of commercial software products. If you count non-monetary forms of payment (i.e. data and/or attention to ads), that expands to virtually everyone with access to a computer.