> There will never be a point where essentially unlimited usage (i.e. what I, as a normal developer, can use at peak effort) of extremely good models will become financially unattainable.

The way you phrase this prevents refutation. But there will be a point where ordinary individuals cannot participate in the majority of the upside.

In the future, some class of models will require enormous compute that is outside the financial capital capability of ordinary individual contributors, middle class, and upper middle class. This will be sold as a capability to well-funded companies.