Technical comfort is the real barrier here, not intelligence. Every official way to install this starts with a command in a terminal (a text window where you type instructions instead of clicking). There is no installer to double-click and no desktop app. Ollama is this same engine with a desktop app built around it, so if the terminal is a wall rather than a speed bump, start there and come back when you want the engine itself.
Then hardware, and the project makes this easy to check. Its curated model list prints a memory bracket beside every model size — the smallest entries read "requires 8 GB+ memory," the largest "requires 96 GB+ memory." Around 8 GB of free memory is the realistic floor, and the bracket, not the model's reputation, decides what you can run. On Apple Silicon Macs the graphics acceleration is switched on by default in the Mac builds; for Windows and Linux the project publishes ready-made versions for common NVIDIA, AMD and Intel graphics, so you should not need to compile anything.
You will not need to pay. There is no account, no card and no paid tier — the software is published under the MIT licence, which attaches no conditions to what you do with it, including commercial work. The project states its position plainly on its own home page: no API keys, no telemetry, no limits. What it costs you is disk space and attention.
The model files are licensed separately from the program, and they do not all match. Every model you download carries its own licence set by whoever published it. Several on the project's own list are MIT or Apache-2.0 and free to use commercially; Meta's Llama models, by contrast, sit behind a request-and-approval step and a custom community licence with conditions attached. The program being MIT tells you nothing about the model — check the model's own page before you build anything you intend to sell.
Expect to keep up with it. The project publishes numbered releases alongside new builds most days, and support for a just-released model often arrives in a build only days old. "Install it once and forget it" is not how this one behaves.