GPT4 on the web is at a loss, $20/mo doesn't cover it unless someone's a rare user. GPT4 through API is not at a loss, and I doubt GPT3.5 is at a loss either.
Given that you can buy a at least a couple hours worth of GPU compute at $20, it's hard to believe the average user spends that much time (specifically waiting for the response) on GPT-4 on the web every month... Not to mention that they probably have optimizations that batch together queries at the same time and make things more efficient at scale...
