Is anyone forcing you to use MCP? You don't need it. If you can't see the benefit of it, don't use it.
If you're needing to give the model direct and broad access to your SqlServer instance...I don't get it.
Dedicated customer facing API is like whitelisting approved actions; MCP feels like getting an LLM to enforce a complex blacklist.
Now every website can create tools that gpt can use. So it's possible to have your users use AI without the need to pay for tokens.