Two years ago people scoffed at buying a personal license for e.g. JetBrains IDEs which netted out to $120 USD or something a year; VS Code etc took off because they were "free"
But now they're dumping monthly subs to OpenAI and Anthropic that work out to the same as their car insurance payments.
It's not sustainable.
So whether you pay Claude or GitHub, Claude gets paid the same. So the consumer ends up footing a bill that has no reason to exist, and has no real competition because open source models can't run at the scale of an Opus or ChatGPT.
(not unless the EU decides it's time for a "European Open AI Initiative" where any EU citizen gets free access to an EU wide datacenter backed large scale system that AI companies can pay to be part of, instead of getting paid to connect to)