I just want to rent them for my life. I love being a modern serf.

Seriously though, go local or go home. Never paid a single cent for renting a LLM. Any PC that can play video games is fully sufficient to generate text with LLMs.

If I had 1 billion, I would set up a fund of 990 million to advance my agenda of free software, citizen rights and clean energy. With 10 million my entire family and next generation can freeload, lol.