First of all, not giving them money is like pirating a Harry Potter show and then posting about how much you liked it on social media. You're still giving it free advertising to people who will spend money on it.
Second of all, see what I said about the cognitive effects. If you don't practice doing things without the AI, you will lose the ability to do them much more quickly than you think you will, and if you start relying on it to make tiny decisions, at best your work and at worst your thinking will slowly start to reflect the model's biases.
More importantly, programmers who use LLMs to complete programming tasks demonstrate less complete understanding of their code, which is important because eventually you need to maintain it and even LLMs' most ardent defenders admit that all of them are dogshit at software engineering. If you use AI to maintain an AI codebase, you'll do great for a couple of months before it loses the ability to remember all the parts and starts duplicating work and not syncing up state with other components and before long it's a buggy unmaintainable mess.