My cost is $20 a month for ChatGPT Plus, and the value I get out of that far exceeds $20. That is value creation, not destruction, right now. Not some imagined AGI future hypothetical.
I think the idea is that it cost a lot more than $20/mo/user to create the tech, and that investment in the tech-creation won't be recouped by your tech-consumption.
I think it depends on how far out you run the numbers for the area under the curve and all the various costs and profits. Seems clear to me that the individual tech-creation might end up being losses but that the net global will be gain very shortly as we continue to adapt and accelerate based on using the tech.