I think you’re missing my point: hiring someone is not that costly relative to training a billion-dollar model from scratch, so the barrier is definitely getting lower. An individual proprietor with a moderately successful business (or just business loans, let’s face it) can hire at least a couple of employees.
Small models can be fine-tuned to perform specific tasks with similar accuracy to large models. Small models can be served for internal use with a VERY modest hardware outlay.
There are also providers now that will let you upload low-rank adapters you have trained in top of open foundational models, so that you can use their efficient serverless infrastructure with your fine-tuned models. This requires even less capital.
None of this would exist had OpenAI’s vision of centralized, locked-down API access become the reality.