As I said, I don't know if it's one AI service or several and there might be only one now but in the not so distant future, there might be a market or individualizable versions.

And coordination, exchanging addresses and sending and receiving encrypted messages might be too big of an overhead and delay for the user experience.

You shouldn't overestimate efficiency. Often the easiest solution is good enough. It would cost real and good paid people to solve this and the other version is less prone to problems.