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It makes a big difference: individuals do not have the capabilities to run millions of dollars of opportunistic hacking loop inference. That's why the distinction is important, they are not the same thing you've conflated them down to.
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"AI has gotten cheaper more quickly than any other transformative technology in history. The cost of achieving a given level of AI performance has fallen about 47% per quarter since 2023, or 13× per year. That price drop is four times faster than DNA sequencing, six times faster than compute, 18 times faster than lithium batteries, and (in the century up to 1973) 54 times faster than electricity."

https://epoch.ai/publications/the-plunging-price-of-thought

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