[ThrowawayR2]

> "when will you be in a situation you can't access a LLM...?"

When you're unemployed, homeless, or cash strapped for other reasons, as has happened to more than a few HNers in the current downturn, and can't make your LLM payments.

And that doesn't even account for the potential of inequality, where the well-off can afford premium LLM services but the poor or unemployed can only afford the lowest grades of LLM service.