The thing about all GPT models is that they’re based on the frequency of the word to determine its usage. Which means the only way to get good results is if it's running on cutting edge equipment designed specifically for that job, while being almost a TB in size. Meanwhile, Diffusion models are only GB and run on the GPU but still produce masterpieces because they already know what that word is associated with.

Would help if they would offer more payment options than just credit card, which is not really popular in many countries

The development of ChatGPT makes it even more comfortable for users. From there, more and more free chatgpt are born for new users to experience

ChatGPT development, I feel it is completely possible