I highly doubt it. I work for a large bank, and it's all W10/11 due to the need for continuous security patches/currency updates. Large banks don't mess around with EOL software that has a risk of vulnerabilities
This is essentially what's happening, but instead of them lowering the prime fee and removing videos, they're adding the additional fee to remove ads from the video service
Yea, maybe like 4 cents a month lol it's nowhere near 4 dollars a month to handle a hundred lightweight API calls