Yeah, I can easily imagine a 90th percentile user in North America is worth closer to $100 per month. Which answers the OP’s question.

And its likely a Pareto curve too.

So a 99th percentile user could be worth $1000 per month, 99.9th percentile worth $10000 per month, etc.

I imagine they would only take the risk to offer such a premium service when they can figure out how to get everyone to upload their payslips and bank account statements.