"You may run out of credit in the future and we need to be able to charge your account" — Where exactly does this 'need' come from? The need to steal money from the poor souls who forget to cancel their subscription?

Alternatively, the need for the poor souls who are coding the thing we're using to do things like pay rent and feed their kids.

You're getting this because you signed up for one of the paid plans, so even if you have $10 in free credits, that only covers 2 months for the personal plan. You wouldn't be getting this if you were just using the basic/free version which limits you to 1000 blocks.

They hand out credits like candy and it’s ad-free. This is one of those services that I think actually deserves our money.