The problem is that Fin prices at $0.99 per outcome. Only for companies with tremendous support volume would it even begin to make sense to build in-house.
$0.99 could be the profit margin of small ecommerce businesses too so it might not make sense for small businesses.I'm curious how you would calculate the other side of the ledger, the in-house approach. Assume the e-commerce business does not employ any AI/ML experts or programmers or anyone whose workday has ever been interrupted by a Github outage (this is the normal case for most businesses, not an artificial handicap). I'm curious how you would structure things to make an in-house more efficient than the $500/mo all-in.
You clearly have never ran a business and don't understand the dynamics of the make vs buy decision.