otherwise you end up with "get a $20 subscription for 1000% more value -- equivalent to $200 in API usage!!![1]; [1] -- compared to API pricing for american companies on the first weekend of the month between 18:00 and 22:00 UTC+8 during full moon"

in any case, better than what anthropic does

> user-hostile

credits do expire (I thought they always do?), apparently it's not really up to them: https://news.ycombinator.com/item?id=46230848