But even going with the $5k - $6k monthly usage on a $200 codex subscription even going over their limits is also unrealistic in the long term and that is just ONE person.

Lets say I was at the casino and was spending a lot on casino chips but I also happen to work at the casino. I'm not really losing money whether if I win / lose since I'm using the houses money and there's little risk involved on every dice roll or press of the button. The risk is far higher if I don't have that level of access and continue to spend the same amount of money on lots of tokens (or casino chips, spins or button presses.)

The same is true here with these agents. Some companies will realize that they can no longer afford to spend millions a month on tokens or even startups spending $5k - $6k per person per month on tokens.

I can only see local efficient models making sense on recovering from this unnecessary spending or even light gambling on tokens.