I mean this at large, but I just can't get over this "sell me a product" mentality.

You already don't need to pay; all of this is happening publication to implementation, open and local. Hop on Discord and ask a friendly neon-haired teen to set up TorToiSe or xTTS with cloning for you.

Software developers and startups didn't create AGI, a whole lot of scientists did. A majority of the services you're seeing are just repackaging and serving foundational work using tools already available to everyone.