All purchased credits should be retained

Many of us are small businesses; every month can be different, and most of the time we don’t know how many photos will be taken at an event. How do you distinguish between credits that you buy once and don’t expire and the credits you buy monthly as part of a subscription? Why can’t you just keep all the credits you’ve purchased? That way, you’d be flexible and wouldn’t have to worry about credits expiring and having to buy new ones because you’ll need a lot of them next month. Business isn’t always easy when it comes to pricing, and everything has to be calculated. These credits don’t really help small businesses, so all credits should be retained.