All the benefits you're describing apply to the present moment; people with knowledge, self-discipline and expertise can leverage LLMs to great effect.
How many people like this will exist in a decade? Two?
Meanwhile the people with mountains of money can leverage them to enough effect to make even bigger mountains of money, by hiring less-than-skilled people who will do way more with it than they could without it.
Meanwhile the people with mountains of money can leverage them to enough effect to make even bigger mountains of money, by hiring less-than-skilled people who will do way more with it than they could without it.