It's not reaching mass market if it's gated behind a $100/month plan
People who are bad with money is a big market. Maybe they’re using the Burts Bees strategy
If they wanted to address that market, the play would be to make them relatively cheap first, then constantly raise the price. (See also: cable TV and ironically cable TV "alternatives")
That IS what they're doing.
The surprise is your idea of "relatively cheap" is fungible.
The service WILL be astounding though, I can't deny that.