Surely unless you are building your own models, and running them locally, you still have to pay OpenAi/Anthropic/Google etc for the API usage? And even if you

Surely unless you are building your own models, and running them locally, you still have to pay OpenAi/Anthropic/Google etc for the API usage? And even if you do build your own models, unless they run locally on the device, you still need to pay for hosting?