Most software businesses start off as "toy apps" and are paid for out of pocket.
The parent's comment is right - that is a lot of money for not a lot of value, particularly when you are early stage.
The trick is in finding balance between paying ridiculous fees (relative to your revenue/customer base) to make things more simple vs. find another way and spend your time instead.
A prime example are identify provider services, such as Auth0. The free tier is good enough for development, but as soon as you expect to onboard customers the free tier starts to feel deliberately gimped. Are you willing to spend $20 a month just to use a custom login domain? For the zero customers you have? $20 a month might feel like "nothing", but it's $20 a month forever and it's $20 a month that could be allocated to other things, such as compute or your accounting software.
It's not always that clear cut, however.
