Will you consider providing a feature to protect me from accidentally using my Zed account after the $5 is exhausted (or else a plan that only includes edit predictions)? I can't justify to myself continuing my subscription if there's a risk I will click the wrong button with identical text to the right button, and get charged an additional 10% for it. I get you need to be compensated for risk if you pay up front on my behalf, but I don't need you to do that.

I understand that there's nothing you could do to protect me if I make a prompt that ends up using >$5 of usage but after that I would like Zed to reject anything except my personal API keys.

Yep, you can set your spend limit to $0 and it will block any spend beyond your $10 per month for the subscription

https://zed.dev/docs/ai/plans-and-usage#usage-spend-limits