> the risk of being charged API is 0% when you are on a plan.

When you configure openclaw to use the oauth claude-code max authentication, there was a period where you were charged extra token rates. You might still be, I'm not sure, I don't want to try and risk getting banned.

It's not 0%, they've shown they're willing to sell you a plan, let you login with that plan, and then charge you differently.