> People spend large sums of money for this tool. They can't just delete your balance because they feel like it.
Unfortunately, in the US, they can. I'm not a lawyer working in this area, but my understanding is that companies are in general free to stop doing business with any customer at any time (other than reasons like the race of the customer). And in this type of transaction, there is no obligation to give a refund when they cut off the business relationship. This is different from a business-to-business contract or other types of contracts. This type of sale you're generally out of luck if the business cuts you off. That's why Amazon can delete the music library they sold you and give you no compensation.
It's possible that Anthropic also structured its EULA such that we're buying Claude Fun-Bucks with no value and that they can obliterate at any time with no recourse. I haven't read the EULA so who knows. But if they did this and it went to court, they'd still need to get a jury to agree to this interpretation and that's a huge unknown.
You could have just stopped there. The rest of what you wrote just re-demonstrates that you don't know what you're talking about.