You can install and run Stable Diffusion locally (Pinokio is a versatile installer that can run SD and many other open-source AI tools as well). With SD you can build your own upscalers that are better than Upscayl, and do things like background removal too (in addition to prompt-based generation and such).
The same argument could have been used a century ago to claim that everyday people would never switch from trains to private cars, because the effort and cost of maintaining a car exceeds the skill and interest of most travelers. That may have been true at one point, and may be true again in the future—but it’s contingent on changing circumstances, not a categorical truth.