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Imo there is a larger technical and UX barrier than running your own node or even self mining.
The current hobbyists I think are a fraction and will remain a fraction of “ai users”
People will accept a free for data / ads exchange similar to search imo
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You're thinking like a Bitcoin naysayer in the early days.
AI tech is only getting easier to use.
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I don't think it's naive at all.
Once commodity hardware can run AI models for dirt cheap, it just needs to be packaged up into a consumer friendly appliance.
Subscription fatigue is increasing, and free services are unsustainable in the long term.