So they're essentially charging $5/month for unlimited tab completions, when you get 2k for free. That seems reasonable, many could just not pay anything at all.

But in the paid plan they charge 10% over API prices for metered usage... and also support bring your own API. Why would anyone pay their +10%, just to be nice?

This is the same problem cursor and windsurf are facing. How the heck do you make money when you're competing with cline/roocode for users who are by definition technically sophisticated? What can you offer that's so wonderful that they can't?