It's theoretical money, because he used multiple subscription accounts that would have cost $400k in token pricing, if he were going via the API.
What the hell is "theoretical money"? It sounds like either OpenAI took the $400k hit, or their API pricing is utterly bonkers and therefore completely pointless to quote. It would be like me saying my car is worth $400k in theoretical money because, yeah, I'd totally sell it to you for $400k.
Obviously their API is priced at what the market will bear, not what it actually costs for them to make it available.
It doesn't mean that all price points are fictional, it just means that in edge cases such as this one, the reasoning breaks down.
No one. Quoting sibling, it would have been about $7 usage of a $200/month subscription.