Currently you only have the given 14$ as a token limit. But with my current usage in the family I never hit this limit.
The question here is to allow access to premium models too until you hit the 14$ token limit.
Plus after the limit is reached allow the user to use premium models with a pay-as-you-go pricing model. This way you can still earn some money when the user uses more premium model tokens and the user is flxible in case they temporarily need more tokens.