Earlier quoted context omitted.
Because that is a short term solution, it won’t be offered forever. Large organisations have to purchase credits at $/tokens. Eventually everyone else will too.
This is what OpenAI and Anthropic are trying to make everyone believe. Most accountants will flinch at this (they already are). The $200 odd plans are already out of reach of many, many people. The attrition of customers if they were to get rid of these subscriptions plans would be untenable.
The $200 plans are priced so that the power-users use them and then advocate about how great the product is. If you're buying a $200 plan, you're not doing it because of the price point but rather because of the amount of work it is doing for you.