Yeah coming up with our pricing model was and still is challenging. We're due for a revamp. As with most things in tech, all of these features require a ton of time to build / maintain / etc. so while the marginal cost isn't that high, the development time for all of them is very meaty and still ongoing.
If you were comparing something like build vs. buy where you had to build every feature clerk has from scratch, just paying for clerk would be soo much cheaper. But not every app needs every feature, and there's also a lot of open source options out there that make the build out a lot easier, so that comparison isn't completely fair.
But the main idea is that we wanted most apps to cost ~$25/mo - $100/mo, and, if you're building a B2B SaaS, you're going to have far fewer MAUs, and so we wanted the base cost to be higher at ~200/mo.
If you, or anyone reading this, ever feel like they're paying "too much" for Clerk - reach out to us and we'll work out a custom deal or even help you off-board to something else.
Banning users is still currently on the $25/mo tier which feels wrong, it should be in the free tier. We're due for a pricing revamp again quite frankly to make these pricing options more attractive. The tricky thing with the MAU costs is that a lot of folks seems to think they have a monster on their hands and forecast for like 1M MAUs or something, which is so far from reality.
It's tough to balance all of these competing priorities -- and if we don't have enough revenue, we can't keep building and investing in the platform for which we have pretty big ambitions. I will say that over a long period of time we want auth to be free and we want build applications to be 100x easier than they are today. I'm kind of getting ramble-y, but we also recognize that clerk's not for everyone and your use case might not make sense!