I assume you're saying "You can just generate your own harness to not be subject to these claude code issues".
Unfortunately, Anthropic has already made it clear that using claude code is the only way to be sure you won't get charged API pricing instead of max plan pricing, so the tokens are way more expensive.
When you configure openclaw to use the oauth claude-code max authentication, there was a period where you were charged extra token rates. You might still be, I'm not sure, I don't want to try and risk getting banned.
It's not 0%, they've shown they're willing to sell you a plan, let you login with that plan, and then charge you differently.
Give me a team of 3 good engineers, 4 months, and about $600k and I'll have a clone that operates on a warm pool of ec2 instances, or warm pool of k8s pods, or any other platform you might like. Or 1 good engineer, 1 month, and $200k of anthropic credits.