Are you "the product" if you're paying $50 but the company also gets $0.35 of value from your data?
If yes I think you're overreacting, if no then I don't think your worries apply to AI subscriptions. (Other worries do, but not that one.)
Anyway, your employer won't ask you for permission, they'll just expect you to use the tools they provide you with. And the responsible IT manager, VP of engineering, or whomever is just going to look at cost/benefit here and come to some conclusion based on that. My guess is most companies will pay up for some decent subscriptions and will probably get some value out of those.
Likewise freelancers might be asked to not use their personal accounts for security reasons, or they might be expected to get a proper paid subscription that provides the right guarantees in the same way that they might be expected to have a laptop to work on. I've had customers providing me with laptops and I've also done projects with my own laptop. It seems to vary.