[falcor84]

Well, at the end of the day, capitalism is about competition, and I would hope for a future where that "User Agent AI" is a local model fully controlled by the user, and the competition is about which APIs you access through them - so maybe "24.99$/month to get all the best features", but (unless you relinquish control to MS or Google), users wouldn't be shown any ads unless they choose to receive them.

We're seeing something similar in VS Code and its zoo of forks - we're choosing which API/subscriptions to access (e.g. GitLens Pro, or Copilot, or Cursor/Windsurf/Trae etc.), but because the client itself is open source, there aren't any ads.