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I'm not going to read the whole paper, but I didn't find anything in the paper which used the words "overhyped" "wildly expensive," or "unreliable."

Unreliable for what? There's so many different ways which people use these services. The way I use them, it's not unreliable. Because I don't use these services in a way which would be unreliable.

Instead, it seems the broader conversation that the huge investment in AI might not pay off right away is very plausible. I pay $20 per month for one of these services. And that $20 service is maybe the most expensive to implement of anything I have paid $20 monthly by a long shot.

And this is important for the audience of Goldman Sachs. Maybe it's not so important for the typical reader of Hacker News. Who reads Goldman Sachs papers?



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