As the compute to build adaptions for multi-billion to trillion parameter models becomes more and more available (and affordable), and the artistic techniques of fine tuning and harness engineering spread throughout the public, I think we'll come to see the "one size fits all" model for the non-starter it really is. Anybody who's even toyed around with LoRAs (let alone made their own) already knows this. That's a very deep rabbit hole, and the ceiling is determined by target domain knowledge and systems engineering.
I'm bullish on LLMs as expert tools in the same grain that computers are. You have to learn all about them to use them effectively. But what really makes the difference is how well you know what you're going to be pointing them at. There is very little room for companies like OpenAI or Google to live between us and our tools.