> which additionally means that OpenCode has no ability to refund people for their losses.
If they took payment, they are liable and they must have the ability to refund.
... no, I don't think so? Taking payment for <X> (providing a proxy/platform for hosting/proxying to agents) doesn't mean that you're inherently liable for <Y>, if <Y> is 'bring your own key from a third-party provider'.
I guess Anthropic and OpenAI might refund based on good will.