a16z's Olivia Moore thinks consumer AI has its business model backwards: "Substantially all of the consumer AI revenue thus far has come from direct subscriptions. On our web list, 85% monetize via subscriptions, another 62% via credits or extra usage payments." "Only 13% had ads or other options where you are the product instead of paying for the product." "If you look back at the history of the consumer internet, that's a pretty unnatural inversion. Almost all of the really big consumer…