What I don't like about the article is that the phrasing 'paying off' can apply to making investors money OR having worthwhile use cases. AI has created plenty of use cases from language learning to code correction to companionship to brainstorming, etc.
It seems ironic that a consumer-facing website is framing things from a skeptical "But is it making rich people richer?" perspective
In my case, I still want to know if it's not making rich people richer, because a) fuck rich people, and b) I don't want to buy into things that will disappear in a year when the hype dies down. As a "consumer" my purchasing decisions impact my life, and the actions of the wealthy affect that more than you'd like.