No, everything isn't available for free.

I'm retired, but even if I weren't, I wouldn't be too worried about "AI replacing me" just yet - not where accuracy and humanity are valued at all.

No, what keeps me up at night is the hype and reliance on a tool that is often inaccurate but capable of presenting its fabrication as credible (even source-cited!) fact. A tool that is not immoral, but AMORAL - in the hands of corrupt, greedy corporate or governmental entities and individuals.

I'm not at all afraid of AI, and my worries about how other people will use technology isn't new and it hasn't been proven unfounded by history.