At an MRR like that I wonder why you even bother with the payment service. It seems like a giant barrier to entry if it isn't making money anyway. Or do you use it to limit the influx?
Honestly good question. Mostly I do it to discourage abuse. I configured the infrastructure so that it should always break even if people fully utilize their storage. But this project would probably be more suited to use something like Patreon (assuming it's OK with their ToS!). I'm open to alternative ideas for sure.