Allow conversion of premium credits to standard credits

Personally, with the way I’m using t3 chat, I almost never use the premium models. However, I understand that there are use cases other people have that those models fit perfectly, so

I’d like to propose a feature that allows people who don’t care for the premium models to convert the 100 premium credits to standard credits. The conversion rate would be up to the team’s discretion of course, but honestly I’d rather have 500 extra messages with Gemini 2.0/2.5 than 100 messages with Claude.