Eventually it will be free and ad-supported, they just haven't figured out how to fully monetize its userbase yet. The potential is huge since advertising will gladly pay to manipulate your behavior by subtly working suggestive product placements into every response.
By the way, I'm selling these fine leather jackets...
You're talking about services with $20, $100, $200, etc. a month per user plans for different quantities of tokens, and then per-token API rates beyond that. Obviously they have figured out how to monetize their products, so when you say fully, do you mean like $500, $1000 giga-whale plans? Or selling ads to help offset free users. A public benefit corporation, or at least a company pretending to be nice, they might need to throw something at those pigeons, but it's not the meat they're after.
If you don't know what a 5h quota means, or what I mean by token burn rate, then you are not the target market for those plans. Software developer whales are what fund free access to the top of the line AI/LLM services basically. Free, non-coding "chat" access is a lot closer to simply being turned off, but more likely it would just be throttled down as far as it needs to be. Sure everyone wants more money, the non-coding side of things will surely end up with ads, but... they're well past leather jacket money dude.
Think how Amazon has ads. AWS don't. That make sense? OpenAI, Anthropic, etc. they're both.