Nothing is stopping you from using the API directly, if you prefer to donate more money to Anthropic.
I would not personally, as I can't spend thousands per month on an agentic tool. I hope they figure out limits that work. $100 / $200 is still a great deal. And the predictability means my company will pay for it.
I am using Claude daily, exclusively via the API (in Zed, added my own token) and spend a few bucks a day tops.
Unlimited plans encourage wasting resources[0]. By actually paying for what you use, you can be a bit more economical and still get a lot of mileage out of it.
$100/$200 is still a great deal (as you said), but it does make sense for actually-$2000 users to get charged differently.
0: In my hometown, (some) people have unlimited central heating (in winter) for a fixed fee. On warmer days, people are known to open windows instead of turning off the heating. It's free, who cares...
I would not personally, as I can't spend thousands per month on an agentic tool. I hope they figure out limits that work. $100 / $200 is still a great deal. And the predictability means my company will pay for it.