If quantum computers actually ever make significant progress to the point that they're useful (big if) it would definitely be able to have positive benefits for the little guy. It is unlikely you will have a quantum chip in your smartphone (although, maybe it could happen if optical quantum chips ever make a significant breakthrough, but that's even more unlikely), but you will still be able to access them cheaply over the cloud.

I mean, IBM spends billions of on its quantum computers and gives cloud access to anyone who wants to experiment with them completely free. That's how I even first learned quantum computing, running algorithms on IBM's cloud-based quantum computers. I'm sure if the demand picks up if they stop being experimental and actually become useful, they'll probably start charging a fee, but the fact it is free now makes me suspect it will not be very much.

I think a comparison can be made with LLMs, such as with OpenAI. It takes billions to train those giant LLMs as well and can only be trained on extremely expensive computers, yet a single query costs less than a penny, and there are still free versions available. Expense for cloud access will likely always be incredibly cheap, it's a great way to bring super expensive hardware to regular people.

That's likely what the future of quantum computing will be for regular people, quantum computing through cloud access. Even if you never run software that can benefit from it, you may get benefits indirectly, such as, if someone uses a quantum computer to help improve medicine and you later need that medicine.