I already pay for a GPT subscription, and its reliability is one of the worst of any product I pay for. The novelty keeps me paying, but I can't imagine building a business on it.
Employers will save health, logistics, HR, etc.
Governments will have to pay for unemployment
Just the same as always - privatize the gains
Those people no longer have jobs. That sounds bad, but consider they can now do something else. (Ad infinitum this is obviously a problem. But the history of technological development provides cause for optimism in the long run.)
I think it actually provides cause for pessimism: in the past those people had other kinds of jobs to move to. But this AI revolution makes it much harder to move to another job other than a menial one because a lot of the lower level office jobs are affected all at once. This creates a lot of downward pressure on fields that were already paying peanuts and where employers have realized they can now squeeze even further, either by cutting wages directly or by having more desperate entrants in the race to the bottom.
Going from agricultural work into technology was an improvement, going from office work to unskilled labor is a regression. Upward mobility is limited because there is less room there anyway and there too there will be more competition for fewer jobs.
So for the moment I don't really see the upside on a societal scale, even if for some individuals there are upsides.
If we automate away administration, there is a bonanza to be had. Every person would in essence be a start-up team. That's enough surplus to figure out a transition. I'm not optimistic about every political system finding the solution. But some will, and then it slowly spreads.
HN is not an 'average' in this sense at all, more likely an extreme outlier. This is also why the 'gig economy' is such a huge step back.