There are AI models that you can get for free right now that will run locally on your machine. They aren’t as good as the top/paid ones right now but they probably will be in the future.

So yes it is and will always be cheaper.

Your typewriter example is also extremely cherry-picked. From a computer you need basically a notepad and writing itself is extremely low technology because of it. But how would you feel if you went to a doctors office or government office and they took your data in a typewriter??