The problem is that once you're on the paid plan, you're exposed to unlimited risk if your worker goes crazy due to a stupid code bug or if you're hacked. As a solo dev, it's a risk I simply cannot take; I could wake to a bankruptcy bill from Cloudflare. Even as a company, an employee could sign you up and your accounts team would have no idea of the risk.
I am using Supabase at the moment, and see they have a hard cap now. and so does Vercel after they had some nightmare stories of large bills in the past.
I am not sure why / what CloudFlare think about this - or simply dont care.