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How does this analogy work at all? LoRA is chosen by the modifier to be low ranked to accommodate some desktop/workstation memory constraint, not because the other weights are “very hard” to modify if you happens to have the necessary compute and I/O. The development in LoRA is also largely directed by storage reduction (hence not too many layers modified) and preservation of the generalizability (since training generalizable models is hard). The Kronecker product versions, in particular, has been first developed in the context of federated learning, and not for desktop/workstation fine-tuning (also LoRA is fully capable of modifying all weights, it is rather a technique to do it in a correlated fashion to reduce the size of the gradient update). And much development of LoRA happened in the context of otherwise fully open datasets (e.g. LAION), that are just not manageable in desktop/workstation settings.
This narrow perspective of “source” is taking away the actual usefulness of compute/training here. Datasets from e.g. LAION to Common Crawl have been available for some time, along with training code (sometimes independently reproduced) for the Imagen diffusion model or GPT. It is only when e.g. GPT-J came along that somebody invested into the compute (including how to scale it to their specific cluster) that the result became useful.