however if you do train a own model in local, spend a lot of time in refining, making loras and such then some monetization should be allowed
I don't really agree with this, it's the same as a dev setting up some kind of system for automated posts, lotteries/raffles, etc, and then expecting to get daily votes and rewards for a thing they spent some time on once/for a certain period. It defeats the consistent effort required by people putting in time, work and effort into creating posts that keep bringing users to consume them.
Sure one could say as long as posts are consumed it doesn't matter who/what created them, but just because you're now able to do this with less effort doesn't mean you should be valued/rewarded as much as you used to or compared to those who still spend a lot of time in creating posts of the same caliber/consumption in a purely non-AI way. It's proof of brain after all and it's important to keep author rewards focused on that, else we'll just end up having 10-100 accounts all taught by @tarazkp for instance to write like him and at that point we're rewarding one user 100 folds and less rewards are going towards other unique users which hurts decentralization through bad distribution.
RE: Instead of Using AI for contenting, why not do this?