In the event of a crash, the investors who put countless billions into this will be still be seeking to maximize their return. Even if it is just pennies on the dollar. Assets (including compute hardware) will be sold, just as they are also sold when any other business fails.
Or maybe a crash doesn't happen. Maybe prices rise to the moon instead and there's nothing we can do to lower them.
Or maybe (just maybe!) a crash never happens and there's never a huge price increase. Prices stay low-ish.
All of these possible outcomes suggest to me that the maximally-sane option that a user can select, today, is to burn it while it lasts. And then, if/when a crash or a massive price increase occurs, just adjust accordingly. (The rest of us will all be in that same boat, too.)
Is there a world where OpenAI starts charging $2,000/month for what we previously were paying $20 for? What are we going to do? AWS could totally jack up the prices for EC2 instances as well, but we've come to rely on that as well.