So what happens when LLM provider and/or internet is down or you're out of credits?

If the internet is down I can't do most of my work with or without an LLM, and redundancy is a thing.

The only way I'll run out of credits is if my company isn't liquid any longer in which case I have bigger problems.

And there are plenty of LLM providers, almost only a few w/SOTA models but even for SOTA models there is no reason to be dependent on one.