What's stopping people from eating GitHub's cake?
Iunno, convenience? Most devs are schlepping along on an M1 Macbook Air that's lucky to hit 5 tokens-per-second on a local model. They could be running a local model and heating up their lap, but most would rather pay Microsoft $10.
Coincidentally, the local programming models are quite nice nowadays. If you're interested, I recommend trying it out.
In fact, there's a lot of coding pair program products. Some open source fueled, some OpenAI fueled, some are doing their own weird thing years before Copilot was released.