I would like to see credit allocations enabled by default for ArcGIS Organizations. I believe that is an important prerequisite to setting up organizations for success, and avoiding unexpected or unanticipated organization-wide issues stemming from accidental usage by a one or a few people at the wrong time.
Credit-based Software as a Service (SaaS) systems are a new concept for many organizations and users. Having credit allocations initially in place would help protect them while they are developing their understanding of how credits work, and how they pair with their organizations’s GIS workflows and needs.
I think it is also worth considering enabling credit allocations retroactively for existing organizations.