The intelligence difference between models like DS4.1 and Sol/Opus is NOT negligible.
For CRUD shoveling, models like DS4.1 are enough.
And the intelligence gap between cheap and premium is closing, as can be seen from the title of this post.
Who cares if your car can go 200mph if all you need is 60. If my requirement is 60mph, I want a faster 0-60, not a higher top speed.
Deepseek 4.1: $0.02/$0.60
Just to illustrate how cheap the Corolla is in your analogy. Also Opus output would be $50 without competition.
A $20 Anthropic subscription is $500+ equivalent of API credit. You can build quite a lot on the $20 plan and get to use the best model.
Their API pricing has healthy margins built in.