oai and anthropic also subsidize the hell out of their subs compared to what you will find in smaller competitors, a $20 codex sub gets you like $100-150 usage/wk which goes way further than 2x opencode go (which would only net out to $120 of deepseek 4.1 usage a month, on top of being low performing quantized trash).
For $20/month subscription, Charm Hyper gives you $12.50 per day, for a total of $350 per month. Like I've mentioned in other comments, OpenCode Go performance and rates are terrible now, there are several better options.
Quantization is not trash, there's a year of evidence that shows Q4 provides ~4% degradation and Q8 provides ~1% degradation, and you don't need that severely quantized to gain benefits in inference performance.
Are they. Luna uses way less tokens for identical tasks so its a bit of an apples to oranges comparison.