>and business expect the level of productivity witnessed before, will have no choice but cough up whatever providers bill us.

Is that bad? After all, even if they hiked to price infinity, you wouldn't worse off than if AI didn't exist because you could still code by hand. Moreover if it's really in a "business" (employment?) context, the tools should be provided by your employer, not least for compliance/security reasons. The "expectation" angle doesn't make sense either. If it's actually more efficient than coding by hand, people will eventually adopt it, word will get around and expectations will rise irrespective of whether you used it or not.