UI automation is necessary for accessibility

> Or you're a site operator and you have to refund 5 cents for a page view.

I dont see what that would ever be necessary. If the website was accessed then there is a payment required. The fact the site got the token proves there was an request. Where the token came from is not relevant.

If someone hacks my account and then uses that money to buy lotto tickets, the seller of the tickets is never obligated to refund them. It's only between me and my bank.

Suppose each token is worth one cent and that buys you one day of access to one site. Either the scanner has 1000 distinct tokens which means it cost €10, or they use the same token but then they identify themselves as the same actor and so the same rate limit.