I've been using serverless framework since v1. I'm trying to wrap my head around this idea of credits... Paying per lambda invocation? Why do I need to pay serverless framework per lambda invocation? If I'm not using the dashboard can I opt out? Can I disable that and not have to pay?

1 Lambda invocation = 4 metrics. 4 million Metrics = 1 credit. Credits are $4 each. This comes out to being 20x more expensive than what I pay AWS for lambda invocations (granted, it doesn't include runtime costs).