Look at it this way, if I pay Open AI $1k a month, their people make sure it works they month. If I let Joe from finance spend $10k on computer parts, Joe needs to ensure that it runs or I need to hire someone who is knowledgeable on local models. If I’m a simple firm, $12k a year might be cheaper because someone else makes sure it works and I can fire Joe when the fancy autocorrect loses a bunch of clients by falsifying work. Then I don’t have to spend even bigger bucks hiring a new Joe because no one knows how to work the damn server he replaced the break room with.