Earlier quoted context omitted.
I think there's also an argument to be made that $20 per month is a bigger deal than some people realise. The issue isn't just _that one_ specific subscription you're paying for. The issue is how they all accumulate over time.. and eventually you find that your metaphorical bucket of money has turned into a leaky sieve. Not to mention all the services you forget to unsubscribe from even though they've ceased to provi…
Sure, but with some things, the increase in productivity pays off the price easily - you end up earning more, or working way less. $20/mo for a subscription of NYT, or Netflix is not one of those things. But ChatGPT in many cases can save whole days of work over each month, so - especially when you're a freelancer, it will pay itself off.
I think that's the big qualifier here. The productivity paying off the price is only meaningful if your time and money are arbitrarily fungible for each other, and for most people they are not. There's a good chance they won't be able to find a way to convert that saved time into the corresponding $20+ needed to pay the bill. And if finances are tight, $20/month might be a deal breaker.
Even if you're a freelancer, if your projects have billing caps related to the number of hours you expect to work then you don't necessarily have adequate time/money fungibility. $20 a month also might not be worth the cost of going out and acquiring a new project.