2 feature requests for current billing model

I have 2 feature requests

1. Allow people to buy credits once their monthly credits are used so they can keep working on the project even if if they finished their month credits, It is a win win more money for you and the user dont have lag time where he have to wait for the next credit recycale

The current billing solution of upgrading and downgrading a subscription is not good solution it is too complex . if you already started with a yearly subscription and you paid for the all year. You work and run out on credits in this month then you have to upgrade to a higher monthly subscription and when you finish your work you have to downgrade back to you current subscription level. You end up paying double for the current month. buying credits is more straightforward. You should really warn people to take the monthly subscription option so if they ran out of credits one month they wont pay double.

1. A better option is to allow users to connect a local llm to their project code and keep working on it without paying tokens but still use your platform to host and maintain database and security