> suddenly jack up the rates or go out of business?

There is basically no lock-in, you don't even "move" your image, your data is basically some "context" or a history of prompts which probably fits in a floppy disk (not even being sarcastic) so if you know the basic about containerization (Docker, podman, etc) which most likely the cloud provider even takes care of, then it takes literally minutes to switch from one to another. It's really not more complex that setting up a PHP server, the only difference is the hardware you run on and that's basically a dropdown button on a Web interface (if you don't want to have scripts for that too) then selecting the right image (basically NVIDIA support).

Consequently even if that were to happen (which I have NEVER seen! at worst it's like 15% increase after years) then it would actually not matter to you. It's also very unlikely to happen based of the investment poured into the "industry". Basically everybody is trying to get "you" as a customer to rely on their stack.

... but OK, let's imagine that's not appealing to you, have you not done the comparison of what a Mac Studio (or whatever hardware) could actually buy otherwise?