I understand your concerns regarding the limitations imposed by the credit system while using Microsoft Copilot. The AI Builder credit model is structured to manage usage based on the credits allocated to your environment. If your consumption surpasses the available credits, it can restrict your ability to run models and actions, which can be particularly frustrating during an ongoing project.
It's worth mentioning that while overages are treated as a grace period and are not charged, they can still lead to interruptions in functionality if your credits are depleted. This situation can indeed feel counterproductive, especially when the pricing and limits are not clearly outlined from the beginning.
Microsoft does offer options for monitoring and managing your credit consumption, which may help in ensuring that your projects can continue without disruption. However, your feedback about the need for more transparent pricing and clearer communication regarding limits is important and could contribute to future enhancements in the system.