There is also a premium for the human touch. I currently pay $15 fee to my bank a month. Going rate here for a bank account is $0.

But the $15 bank has a call center that is dreamy - reliably connected to a competent focused individual in under 3 seconds.

It doesn't matter how good the tech & automation is I place an economic value on that ability to pick up the phone and talk to a human. LLMs are crushing it but I'm not fuckin paying $15 for an LLM.