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There are lots of powerful tools, such as pytorch, which take a lot of the complexity out of creating neural networks. A lot of people are studying this stuff in college now, so tons of young graduates are coming out of school each year with the ability to create these networks. There is also lots of open source code out there where someone has done all the hard work, and you can just train new models on top of it. Not everything needs to be ChatGPT, a lot of kinds of models can be trained relatively quickly and with little resources.
I took a Stanford AI course for free a couple years ago, while sitting at home in Boulder.
That such a thing is even possible is incredible.