I left some notes about this. I agree with you directionally but practically/economically you want to let users leverage what they're already paying for.

https://yepanywhere.com/subscription-access-approaches/

Captures the ai-sdk and pi-mono.

In an ideal world we would have a pi-cli-mono or similar, like something that is not as powerful as pi but gives a least common denominator sort of interface to access at least claude/codex.

ACP is also something interesting in this space, though I don't honestly know how that fits into this story.