Yes, renting raw compute via Runpod and friends will generally be much cheaper than renting a higher level service that uses that compute e.g. fal.ai or Replicate. For example, an A6000 on fal.ai is a little over $2/hr (they only show you the price in seconds, perhaps to make it more difficult to compare with ordinary GPU providers); on Runpod an A6000 is less than half that, $0.76/hr in their managed "Secure Cloud." If you're willing to take some risk of boxes disappearing, and don't need much security, Runpod's "Community Cloud" is even cheaper at $0.49/hr.
Similar deal with Replicate: an A100 there is over $5/hr, whereas on Runpod it's $1.64/hr.
And if you use the "serverless" services, the pricing becomes even more astronomical; as you note, $1/minute is unreasonably expensive: that's over 20x the cost of renting 8xH100s on Runpod's "Secure Cloud" (and 8xH100s are extreme overkill for finetuning image generators: even 1xH100 would be sufficient, meaning it's actually 160x markup).
Similar deal with Replicate: an A100 there is over $5/hr, whereas on Runpod it's $1.64/hr.
And if you use the "serverless" services, the pricing becomes even more astronomical; as you note, $1/minute is unreasonably expensive: that's over 20x the cost of renting 8xH100s on Runpod's "Secure Cloud" (and 8xH100s are extreme overkill for finetuning image generators: even 1xH100 would be sufficient, meaning it's actually 160x markup).