The fact you are trying to use Copilot as an example here shows you don't understand how Copilot's previous billing worked.

Previously they used "premium requests" which would allow you to make a request to one of the more expensive models. People abused the shit out of this because a request was disconnected from tokens.

You could make one request which used tens of dollars worth of tokens, obviously not the intended usage pattern and obviously unsustainable.

Tokens for a given intelligence level are becoming much cheaper very quickly, but everyone wants to use the smartest frontier models so tokens are not dirt cheap. Even frontier models are a bit cheaper in absolute terms than they previously were, and much cheaper in terms of intelligence.