They received a 10 billion dollar investment that allows the product to operate plus they provide the servers. Without that your $20 a month goes to 2,000
They received much less than 10 billion, and it's mostly in credits (so really about half the value), in exchange for exclusive access to the world's most advanced LLM?
They’ve actually drawn very little of that $10b. They are profitable at the moment, and would have no trouble raising funds from anywhere at the moment in any quantity they wanted.