There is no monthly limit, it (currently) is a weekly and 5-hourly limit. If they allow anyone to use any tool with their subscription service, you could have a system (like OpenClaw) which involves 0 human interaction and is constantly consuming 100% of your token limit, then waiting until limits reset to do it all over again. It seems fairly clear that Anthropic is probably losing money on such usage patterns.

Once again: you can use API keys and pricing to get UNLIMITED usage whenever you want. If you are choosing to pay for a subscription instead, it is because Anthropic is offering those subscriptions at a much better value-per-token. They are not offering such a subscription out of the goodness of their heart.