credit optimization suggestions

question
Credits are being used up too quickly; is billing now based on tokens?
What problem does this solve?

Is it possible to change to a per-use billing system?
Solution
How should it work?

use cases

In what situations would you use it?

Priorities

:red_circle: High-congestion issues

:yellow_circle: Medium - Significant Improvement

:green_circle: Low-end - Not bad either

Additional Information

(Optional: screenshot, example, link)