iPhone 4 Personal Hotspot Jailbreak or not? Will it work?

iPhone 4 Personal Hotspot on iOS 4.3
Is it possible using a non-jailbroken phone?
Most solutions require you to jailbreak your iPhone 4, and if you do, there’s a good chance AT&T will detect you are using tethering, hotspot from your phone and could disable your data or cap it.

TetherMe

Mywi –
Price: $19.99
How To Install: Jailbreak your iDevice and purchase/install via Cydia. Click Here for details.

3GS:
Go to this on your iPhone – https://help.benm.at/

If someone can figure out how to make tethering work on the iPhone it could be very interesting. Of course AT&T wants you to pay more fees for services that should be included…