Claiming this is about personal use is the semantic shift not what I said. You are trying to shift back to that because you know if you have a good faith discussion you have no legs to stand on. The reddit changes target commercial use plain and simple.
If you create an app that loads reddit content from its APIs for only you to use, these changes are going to have very little no effect on you. That app would be personal use and if you incurred charges for your API use they would be very small (or you are abusing or spamming the API which both are against its terms of use).
The most public part of this has probably been the Apollo dev vs reddit. Apollo is commercial. Using Apollo to browse reddit used the Apollo API key not your accounts API key. The crazy charges the Apollo dev listed are due to tens (hundreds) of thousands of reddit users using the Apollo API key to access reddit. That is not personal use. That is a commercial entity using its own API key to access reddit's API.