To me it sounds like the CLI subscription is a loss-leader designed to get you hooked so you'll upgrade once you realize it's valuable enough to pay extra for the "premium" features. It also sounds pretty reasonable to ban products designed to cheat them out of the difference in cost.
Am I missing some nuance, or is this just internet people being cheap?
If you use it to back up 100,000 MAUs, then they want you to use the API.
I was originally an API user but the cli subscription is so much cheaper that I switched over. This is a combination of th CLI getting much more useful and reasoning models using many more tokens.
If you're hiring a consultancy or a pile of freelancers it's a bit different, but the question here would make me believe you don't trust their capability to start and I would be looking for teams that better align with what you expect as their outputs.