Nope they aren't lying, but they lost me as a customer. My Arby's gift card lasted longer than my OpenAI credits, it's a horrible business model and I wish them luck, but I won't be a part of supporting bad models.

Standard for who? That's awful model that probably shouldn't be legal. They're already getting a free loan for a service that gets cheaper to provide over time.

At most, tokens should expire after years of inactivity and multiple warnings to reset the timer.