Solo founder here. For my SaaS, I keep considering a low-cost hobbyist tier at $60/year and I keep rejecting it every time. It just doesn't make sense unless you have huge economies of scale. Dropbox might be able to pull it off, a niche SaaS can't.

Selling to individuals is expensive, not just because of credit card fees, but also because of accounting costs, VAT MOSS in Europe, and support. In my case, a single support inquiry from a customer could negate income from that customer for an entire year.

At the same time, you can sell to companies, which pay 8-48x more, and will bother you with fewer support requests because they have things to do.

I think pulling of a consumer SaaS is extremely difficult in general.