Because that is a short term solution, it won’t be offered forever. Large organisations have to purchase credits at $/tokens. Eventually everyone else will too.

This is what OpenAI and Anthropic are trying to make everyone believe. Most accountants will flinch at this (they already are).

The $200 odd plans are already out of reach of many, many people.

The attrition of customers if they were to get rid of these subscriptions plans would be untenable.

I think you are looking at it incorrectly. No business is buying individual accounts, because if they do, they open themselves up to considerable risk.

The $200 plans are priced so that the power-users use them and then advocate about how great the product is. If you're buying a $200 plan, you're not doing it because of the price point but rather because of the amount of work it is doing for you.

Lots of businesses are buying and using these plans. Basically every small business I interact with.