Are they going to pay back if subscription was payed but token limit was less than advertised? Is there some tiny text somewhere preventing just suing or pulling money back with credit cards?

Part of the issue is that they don't actually advertise what the token limit is. Just some vague, "this is 5x more than free, and 5x more than pro". They seem to be free to change the basis however they please, because most of us are more than happy to use what they give us at the discounted subscription pricing.