> Should almost be a matter of pride to get it for less than $20.
When you're a high schooler, yes, even Steve Jobs did it. But when your monthly salary is easily in the thousands, it's not a matter of pride to get it for <$20, it's a matter of stupidity.
> I agree, it's stupid to pay $20 for something you can get for 2 cents
> $20/mo, for the people in this situation, is not an amount of money worth thinking about.
I don't follow this logic. In this case everything that is currently sold for 2 cents can also be sold for $20, because "it is not an amount of money worth thinking about" (at least for some people).
For most use cases, normal GPT-3 provides just as good results as Chat-GPT (though Chat-GPT is a better interface). So I guess if you don't use it much, or you can use one of the less powerful versions, the pay-as-you-go model of GPT-3 is much cheaper. On the other hand, it's certainly possible to spend more than $20/month on GPT-3.
GPT3 also doesn't have the same restrictions. It might be preferable if you're tired of getting "I can't do X I'm a large language model" even if it wasn't cheaper.