Individuals may not need it, but companies? The company I work for has multiple products which internally rely on geolocating arbitrary addresses. OSM keeps our costs way down, we only have to pay Google when OSM fails a match and we fall back to the Google Maps API. I doubt we're uncommon in this. OSM had less of a programmatic use when Google's free monthly tiers were large and subsequent costs low, but that hasn't been the case for a good while now.
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