IIRC the last the licensing idea was this. The current version is really not exactly like this.
I also believe that there should be a free version but we need to improve the business version to make real difference compared to the personal. So I hope in the future we can update the licensing plans with a free version.
Regarding the cost of the personal license, I’d phrase it like its $19 USD month. It’s the price of a pizza and a beer. I think it’s affordable.