That!
There are viable business models, at reasonable cost. But because there are now so many models available, and it is the way you use them that makes the difference, there is no moat for the big AI companies.
This is an industrial revolution. There are huge benefits available. They will not accrue to the "first movers"
It's ain't over yet --- but the vendors are beginning to chart a course toward reality. But hang on to your wallet, you ain't seen nothing yet.
An issue with the big commercial AI vendors is that they try to encompass *everything* --- with a price to match.
Most businesses don't really care about *everything*. What they want instead is expertise in a specific, niche area.
I think the real market will be for a cheaper, more focused approach.