Just disable it. It seems like they've made is as simple as possible to do so while also being realistic about what it takes to make a successful (read: profitable) IDE the year 2025.
I've found that the sort of people who complain about AI or cryptocurrency don't care if it can be disabled. The mere fact that such functionality exists taints the product for them. I can't say I understand the reasons (I like AI functionality), but that's what I've noticed.
I do care that it can be disabled. My problem with such functionality is that it becomes the sole focus of the development team, drifting their attention away from improving core experiences, such as language and plugin support, polishing ergonomics, and pruning papercuts.