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It is 'nearly unavoidable' that AI will cause a financial crash within a decade, SEC head says
(www.businessinsider.com)
This is a most excellent place for technology news and articles.
Facts.
Even if you could design your own model... How do you acquire a dataset even a fraction of the size those pretrained models from the corps.
Then how do you train the model in a reasonable time. Other than relying on cloud computing which leads to the same problem of only corps can play this game properly right now.
I designed and collected/labeled the data for a relatively small deep CNN for my masters thesis and training it on 60000 images was taking over a dozen hours (this was 5 years ago at this point so that part may be misremembered) on a 1080ti.