You should also consider that people have AI too, everyone has AI, AI makes no difference in competition. Like having Linux, or Google Search - immensely useful but not a differential. So "capital -> AI -> capital" would just be the inferior option. Like building a product with minimal coding and just putting together open source packages, that anyone could replicate in a few hours.

People don't "have" AI. People are being provided AI as a service by the corporations who invested billions into training it. If they ever make a leap where it can actually replace the workforce, it won't be provided for cheap like it is right now, and all the current open models will be obsolete.