So even if you have a plus account, there will be a charge for the API use?

I mean I kind of get it, but it does seem like they are almost penalizing people who could code in the browser with the canvas feature but prefer to use a terminal.

Do I have that right?

I'd love if tools like this one were available for non-API users as well, even if we had to be rate limited at some point. But I guess OpenAI will never do it because it incentivizes people to use the ChatGPT subscriptions as a gateway for programmatic access to the models.

That's not comparable. Canvas isn't agent coding directly on your machine