Why i think the 'just go local' AI trend is simply a tech bubble delusion

So a couple of days ago, I posted here about the latest moves by different AI's to a compute based usage limit model, and one of the most common pieces of 'advice' commented was always some variation of 'just go local, drop $2000 on a 96 GB mini pc to bypass the corporate caps'. I think this is a massive enthusiast delusion. the pretty blunt truth is that most people wildly overestimate their actual usage. The actual reason why the cloud clampdown has happened is that the previous system was financially broken. For an incredibly low nominal cost, a small fraction of heavy media users were essentially abusing the system, forcing companies to hemorrhage billions in losses every single year. These are now often the people screaming 'it's not fair' now the clampdown is happening and the AI honeymoon period is ending. Most people do not operate on a 'what will do the job best' philosophy. They operate on a 'what is within my budget' philosophy. And for the average creative writer, revising student, or researcher, hitting usage walls just does not have that sort of money floating about for a dedicated AI rig, nor do they want to turn their home office into an electricity guzzling, noisy server room. TLDR: hobbyists are being separated from the pack.