Blame the idiots who abused it. Like that guy who posted a video a couple weeks ago where he had like 6 instances going nonstop and he was controlling it with his voice. There was some other project posted recently that was queuing up requests so that you could hit the limits in every time block. I've seen reddit posts where people were looking for others to share team accounts. It's always the morons who ruin a good thing.

Unless/until I start having problems with limits, I'm willing to reserve judgment. On a max plan, I expect to be able to use it throughout my workday without hitting limits. Occasionally, I run a couple instances because I'm multitasking and those were the only times I would hit limits on the 5x plan. I can live with that. I don't hit limits on the 20x plan.

Such abusers are very rarely a whole 5% of accounts, almost certainly <=2%.