To be clear, you don't need to top up (only click the link or try a search) _and_ do the captcha. You can _either_ top up for a month, _or_ do the proof-of-work captcha (should just be clicking a checkbox and giving it a few seconds).

The reason for the higher barrier of entry is bots/abuse. Up until a few weeks ago we didn't even have the captcha option. Without any kind of identification, it's impossible to prevent automated/bot signups, and they can abuse the system to oblivion.

I understand that's not ideal, though I hope it still makes sense!