I feel this. These tools are viscerally unpleasant. Meetings used to be the thing I didn't look forward to but chatting with an AI is the new low point. Reading AI generated text is the written word equivalent of nails on a chalkboard.
#1 seems like the worst possible dystopia. We should shoot for #2 and have #3 as a fallback. The Culture is the worst dystopia I am capable of imagining.
The goal should not be to include something because there is a use case but because the use case so stunningly obvious that this should become part of what every browser must implement.
It is clear this can be done without being part of the standard as is shown by the fact that it is already done. So it has no place in the standard.
This is probably going to sound alien. Socialism is ontologically evil. Regardless of outcome or positive it produces there is a moral obligation to stop the state from doing something like UBI.