Yes, you are. I got my 40k sats withdrawn to my lightning wallet in April. Took me 2+ years to earn. But I spent two months out of that time, using Fold+ ($10/mo), the rest of my time for that was using the free plan. I'm not good at math, so do what you will with that info I guess, lol.

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Helpful. The free plan doesn’t see to have many perks at all

I think so too. But there are a few people who use the free card as a bank account just so they can have their paycheck converted into and then direct deposited as bitcoin