I feel like everyone in SF is doing agentic b2b saas. For ai consumer founders-whats been your experience building?

I have some hypothesis 1) almost all consumers dont accept ai(80%+) therefore market is small 2) investors dont believe it so no founders do it 3) consumers are used to free apps and LLM costs creates a cost floor which is unsustainable

If I had to guess its most likely reason 3