We recently improved our credits/resource usage with our metering system. This allows us to see actual usages of our puterjs APIs call
It might be a good idea to update our docs to add this info, so we have more clarity on what the "user covers their own cost" statement.
Which just means, every user has their quota of resources (as seen from the image), and everytime you use an app with the puterjs features, you will just be consuming your own resources.