There are free and offline options, like Llama.cpp, but you will have to pay by giving up your privacy to Meta (or similar large companies)

I set up HTMX for a toy project recently, seemed fine to me. I think the philosophy of HTMX is the real selling point, sending structured content instead of passing JSON around. There is an opportunity here to either improve HTMX or build a competitor.

The difference is self harm vs harming others. The distinction is that advertising may convince people who do not gamble to start gambling.