Such abusers are very rarely a whole 5% of accounts, almost certainly <=2%.
In a recent tweet the company gave an example of a user running Claude 24/7 costing them "tens of thousands of dollars".
For any such users it requires hundreds if not thousands of "normal" users just to break even.
Unless/until I start having problems with limits, I'm willing to reserve judgment. On a max plan, I expect to be able to use it throughout my workday without hitting limits. Occasionally, I run a couple instances because I'm multitasking and those were the only times I would hit limits on the 5x plan. I can live with that. I don't hit limits on the 20x plan.