The recent Bank of England report indicates that, yes, small businesses are seeing the biggest benefit of the tool (AI agents), but they are not spending big dollars on it. Free models and/or entry accounts are more than enough per their survey.

I agree, its a tool. I have used free models for the last few weeks to make python scripts into portable exes to help streamline some onsite job activities that normally are done multiple times a month. I never would have the time to research how to code python, figure out libraries and such to put together, and then compile all that into an exe. You’ll never see me spend money on AI when the free models work well enough not needing “frontier” features.