Any citations? Because that was my impression, too. I want frontier model performance for my coding assistant, but "most users" could do with smaller/faster models.
ChatGPT free falls back to GPT-5.2 Mini after a few interactions.
Frontier model has much better knowledge and they usually hallucinate less. It's not about the coding capabilities, it's about how much you can trust the model.
Have you used GPT instant or mini yourself? I think it’s pretty cynical to assume that this is “good enough for most people”, even if they don’t know the difference between that and better models.