An interesting point I don't think I've seen someone make -- people compare the LLM revolution to other technical revolutions. You don't need to worry about skill decay in the same way that you don't know how to bake bread from unprocessed wheat, or you don't know how to build a loom, etc.
But local models aside (which no matter the protests from HN, will only be available to the technically savvy few) all of these LLMs are a service, so, the company could degrade the service, they could charge more than you're willing or able to pay, they could ban you. They could disable your account with no meaningful way appeal or seek support. LLMs could look at lot more like the scenario in this thread than something like not knowing how to make your own shoes.
It might settle into a situation where cutting edge LLMs are a service, while older and smaller LLMs are self-hosted. So you are not at risk of being cut off, but of being degraded.