OP made the "electricity" analogy, and that's really all people want. I want to plug something into the wall and have it work. I don't want to have to worry that my electric company is going to rug-pull me because I plugged the wrong appliance in, or I didn't agree to some TOS, or I used the electricity to run grow lights for my pot farm, or this or that or the other.

The analogy is apt because I feel this is exactly what keeps Anthropic and OpenAI's owners up at night -- becoming the utility company the People want them to be. Ironically their behavior may accelerate their fears. After a false alarm of almost having my ChatGPT account terminated for cybersecurity abuse and appeals auto-denied twice (I did nothing even close to hacking), I have started doing everything I can to decrease switching costs and thus the bargaining power of the suppliers.