Sbf built a pyramid scheme that collapsed. Sam altman has built a pyramid scheme that will soon collapse. The collapse is the point. This way insurance companies, advertisers, etc can buy the company and its assets, the customer data, that gives them a level of access to people laws and anti-trusts would otherwise prevent.
You know the saying, "when you owe the bank a million dollars, that's your problem, but when you owe the bank a billion dollars, that's the bank's problem"?
I suspect the theory behind OpenAI is to grow to be "too big to fail" as fast as they can, because once they cross that threshold, their liquidity/solvency problems will cease to be theirs, and become everyone else's.
the entire thing is built to collapse.