You could argue it's worth that much because of the value that compliance brings the enterprise, but it's just another gouging excercise. Certainly nothing unique to AI companies.

Alternatively, one can say that the enterprise customers plus a metric shitload of VC and shareholder/investor money heavily subsidizes cheap personal plans.

It's the same playbook that Adobe used, provide cheap plans for academia and turn a blind eye towards piracy from non-commercial actors, get the young people hooked hard on Adobe's software and workflows, and they will demand that their employers purchase the nice, high profit commercial/enterprise plans.