There are more than dozen no-cost, shared-code projects creating model harnesses for software creation and already some of the no-cost, self-hostable models are OK in those harnesses. Not as good as the subscription based, hosted harnesses and models, but OK. If we assume that the no-cost harnesses, models, and cheapish self-hosting rigs improve over time then at some point they'll be good enough that they serve almost everyone who needs it. Then only fools will pay for software and only services like support will remain in business... oh except that no-cost chatbots will fill those roles, too. Then all that's left is mathematicians... oops.