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no it really not, even the soggiest bank has multiple api vendors atm.
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I agree with parent. I'm not sure where your stance is coming from.

From what I hear, most enterprise AI deployments are seat-based subscriptions with annual commitments.

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50K FTE global firm. We’re still piloting ChatGPT. AI is a four-letter word and there are ridiculous ceremonies and hundreds of hours of overhead for every trivial use case.

Amusingly, Enterprise credits are more expensive than just paying a zero-commitment on-demand API fee. Personal accounts are still the best value.

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Yes, I work at a 50 person startup and even here switching from CC to codex or cursor would be non-trivial for multiple reasons - not just the annual commitment.
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