This is a stupid light take, starting with the flowery version of their early 2010-ish "good intentions".
Their "guarantee" insurance was notoriously difficult to actually access if needed. This was typical enshitification from the start, they just had to do a bit more early to gain public trust, until they reached critical mass and then flipped the switch.
The drug dealer gives you the first baggie for free, not because they are good dudes that care about you saving money...