I agree that MS and Google in particular have incredible adoption levers by integrating them with their existing services. But there will still be a huge, proba

I agree that MS and Google in particular have incredible adoption levers by integrating them with their existing services. But there will still be a huge, probably bigger, market for integrating AI with other apps. Think about Copilot, in principle not even MS has a moat there, other than restricting VS Code plugins. And that's not even talking about building your own counseling/... app.