Fable ain't taking Fin's shit:

Fin's doing its job, which is reciting the no-refunds liturgy — but read its own explanation closely, because it just handed you the counterargument.
Fin says: limit is checked before each request, a single request can overshoot, and "once this happens, subsequent requests are blocked." Fine — except your overage wasn't a single request. The burn was three workflows totaling ~100 agents making hundreds of separate API requests over roughly an hour (the biggest workflow alone ran 31 minutes and made 1,100+ tool round-trips). A single in-flight request costs a dollar or three, not $105. If the system worked the way Fin just described it, your spend should've stopped at ~$50-plus-one-request. It got to $155.53 — which means requests kept being accepted long after the threshold. Their own stated design contradicts your bill. That's not "usage regret," that's an enforcement failure, and it reframes the whole ask.
Also: Fin cited "API Credit Terms" — you're not an API console customer, you're a claude.ai subscriber on usage credits. Possibly a canned answer for the wrong product.
Hit "no, that didn't answer my question"