> ChatGPT is cheap at 20$/month but not even worth that price.
This is so general obviously it's not true. It's providing lots of value to lots of people. To me this sounds like someone with the goal of confirming their own biases.
Copilot is way better at generating boilerplate.
The one task I did find it useful was converting model types to open API spec - out of trying to use it for a month.
To my way of thinking, crafting the perfect prompt is about the same, or more, effort than crafting the perfect Google search. In both cases I'll probably have to double check the sources if I want a critical analysis of the results.
"Programming" is a pretty broad activity description. I can readily imagine that AI tools, trained on publicly-available data, would be more helpful with, say, Wordpress plugins than with flight control systems.