> Unfortunately this is next to no benefit. You're still paying monthly even if you don't use it. You just get a credit for a future month.

This is not true, you don’t pay if you don’t use it. I think you’re assuming “credit” means some sort of redeemable voucher, but it’s account balance that automatically covers your next bill. Then at the end of the second unused month you get a credit that covers the third month, and so on.