For purposes of this thread, if chat AI becomes the primary business interface, then every service behind that becomes much easier to replace.
And if you build an AI interface to your product, you can make it not work in subtly the right ways that direct more money towards you. You can take advertising money to make the AI recommend certain products. You can make it give completely wrong answers to your competitors.
In a world where the interface is "you talk to the computer" you will be able to swap providers way more easily.