Not a totally related comment, but I thought it would be interesting to share. Today I needed to get some work done in a hurry and my plan reached 5-hour limit. Since I needed to get it finished and it was just the finishing touches on the ongoing work, I decided to add $5 balance in extra credits (they are consumed at API rates). It took one prompt ("Continue.") and maybe 5 minute on Opus 5.5 xhigh to burn through it without finishing what I needed. I added $10 more and asked to continue - a few more minutes and that was gone too. Thankfully, by that time it was nearly done so I decided against burning any more cash.
API rates are like setting money on fire, crazy, no wonder they are profitable.