> I don’t think a paying customer would accept that - they want a direct line to a person.

What the customer wants only matters insofar as they are willing to pay for it. Sure, I'd rather talk to a person... But I'm not willing to pay 100x as much for a service that's only marginally better. Same reason I don't fly first class, as miserable as coach is.

Someone may want to pay for a boutique human lawyer/banker/coder/professor, maybe as a status symbol, the same way people pay $20k for an ugly handbag. But I think most people will take the cheaper and almost as good option, when the difference in quality is far overshadowed by the difference in price.

> someone needs to train the models, which requires code.

I'm not sure that training llms is a coding problem, but it doesn't much matter: llms can train each other.

> If AI can do everything for you, then what’s the differentiator as a business?

Good question. My gut says there isn't: all money flows to the model providers, everyone else is a serf at best parasiting on someone else's model.