Utilities are infra-as-a-service.

The point is that infrastructure is non-optional, you're not going to decide not to use it, and you rarely switch (in the case of utilities you often CAN'T switch). You set it and forget it.

AI in the context of an end-user product or tool is not that (unless you're running the AI product company, where it becomes infra for you).

It's a blender or a kitchenaid mixer. Let's say companies gave those away for free but only charged metered fees to use them. If you had to pay $4 to blend something or run your mixer (and weren't sure if the tool would get it right the first time or you'd have to re-do it 5 times) you'd use them much less. They are optional.

You'd treat the decision to bake like a financial one. Nobody asks their spouse if it's okay to take a shower.