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What are you going on about?
I don’t work in a space with a monopoly.
My employer doesn’t have free money. They compete in a huge market and earn money while doing so.
Not every company has the business model you described. The world would not run if that was the case.
That assumes the person using obsidian is a software dev or a sysadmin. Most users aren’t going to want the extra hassle, or they might be unable to do these things.