What? No, you're not understanding. Even if no one but you could use this info legitimately, the fact that it's widely available depowers the people who have the skills to collect it (specifically, people who want to do you harm).

By virtue of the fact that this info is widespread, you have no choice but to take actions to protect yourself from this information. That means the information becomes useless.

You are, in a way, being shamed into acting, through public disclosure. So no, having that info cost is not more better, it's more worse.

Furthermore, it is not an option to only let you have this information. That ship sailed when the breaches happened. You don't get access to this information for free, you don't get to control the dissemination of this information, you are powerless. You're acting like HIBP is the only way people can find this info out; it's not. That $500 price tag is just for you. People who are more skilled than you or I at collecting this info get it for free, and that's never going away.

A service provider could check the API for the signup email and if previously compromised could challenge the signup with additional CAPTCHA steps to detect bot activity. They could check email+PW entered against leaked pairs and prevent you from registering with a known-compromised PW.

Your bank could check emails attached to customer accounts and work with affected customers to ensure their bank account access is secure.

You employer could check for leaks of accounts using corporate domains. They could check leaked passwords against known last 5 to see if there are active threats.