How are you completely disregarding the data integrity and privacy aspects of rolling your own tools?

I vibecode an app that only I use and store data locally. That means my data never leaves my device, I never have to share my email with anyone, never have to enter my credit card info anywhere

You buy SaaS and you have to then login, share credit card info, and have your data stored in the cloud somewhere with godknows what security practices

That’s worth more than the cost of any tokens

Data privacy is a real concern, but any SaaS provider worth their salt is using Stripe or similar for payments, not rolling their own. That's not as good as not providing the info in the first place but that makes it much less likely that your CC info is going to turn up in an S3 bucket with bad permissions or something.

To my mind, this is the huge bit that should not be overlooked.

So much infrastructure is there to support doing "it" in the Cloud, for all definitions of "it." If we can vibe-code bespoke one-offs to solve our problems, a lot of that Cloud interaction goes away... And that stuff is expensive and complicated.

Hypothetically, open source app stores (I'm counting apt here) address this, but then it's someone else's solution to my problem, which doesn't quite fit my problem perfectly.

This approach to software engineering could be what 3D printing is to tangible artifacts (and I mean that including the limits of 3D printing regarding tangible artifacts, but even still.)