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> which additionally means that OpenCode has no ability to refund people for their losses.

If they took payment, they are liable and they must have the ability to refund.

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I guess Anthropic and OpenAI might refund based on good will.
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... no, I don't think so? Taking payment for <X> (providing a proxy/platform for hosting/proxying to agents) doesn't mean that you're inherently liable for <Y>, if <Y> is 'bring your own key from a third-party provider'.
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