A $1200 GPU you already own, typically, is how this is being seen. Maybe you already have a gaming PC, so this is 0 extra cost to you. All it takes is the power to run the GPU which would be minimal extra vs. the $20/mo cost.
Where I live electricity costs 30 to 40 cents per kWh, I think it's easy to go over 20 dollars per month. Also I find 20 dollars is really a small amount of money to spend on AI. AI fays itself back fast if it helps you with serious stuff.