The problem is that the value Terraform brings and the value Terraform cloud brings do not scale the same way. Hashicorp
prices as if they did.
I get that companies want to price their products in a way that they don't leave surplus value on the table (i.e. the more value a customer gets out of it, the more expensive the product gets), but the fundamental problem is that it's... so hard to actually "judge" the value that's being created by using the product in many cases.
In such cases, probably for the best that companies err on the side of caution with some formula they're sure is below the actual value but isn't too far away.