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I wasn’t really thinking of HPC but my next gaming rig, TBH. The OS can move often accessed pages into faster RAM just as it can move busy threads to faster cores, gaining you some fps a second or two after alt-tabbing back to the game after messing around with firefox. If it wasn’t for memory controllers generally driving channels all at the same speed that could already be a thing right now. It definitely already was a thing back in the days of swapping out to spinning platters.
Not sure about HBM in CPUs in general but with packaging advancement any in-package stuff is only going to become cheaper, HBM, pedestrian bandwidth, doesn’t matter.
The thing is, consumers didn’t push Nvidias stock sky high, AI did. Microsoft isn’t pushing anything sane to consumers, Microsoft is pushing AI. AMD, Intel, Nvidia and Qualcomm are all pushing AI to consumers. Additionally, on the graphics side of things, AMD is pushing APUs to consumers. They are all pushing things that require higher memory bandwidth.
Consumer will get ”trickle down silicon”, like it or not. Out of package memory will die. Maybe not with you next gaming rig, but maybe the one after that.