The top 1% of AI spenders now put $903 a month on their personal credit cards. a16z looked at what they're actually buying, and it changes the story. The biggest line items are n8n, fal, Manus, and Hermes Agent. Automation pipelines, inference APIs, autonomous agents. You don't spend $903 a month on inference for fun. That's a production stack. These are people running a business off a personal Visa, often before the business legally exists. Meanwhile the median paying customer spends $25,…