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The search credit model sounds great. I would probably also pay Youtube credit. I use it too rarely that paying their monthly rate makes sense. The user experience with ads sucks, so I further try to reduce my usage. At least that's good for the environment and I can do more useful things.

Something like this? https://athenut.com/

If $10 is too much to afford, the problem is not really Kagi. You need to improve your economic situation urgently, because that is starvation level poverty. Seeing that you're posting on a message board like this, I assume you have at least average talent and capabilities to have a paid occupation.