P: Generated images violate user guidelines

yes 

I get LR Classic and Cloud. I dont use cloud though, Wish they would move the filters across to LRC 

@MontyWales and you have Photoshop 25.0 installed?

Thanks. Kevin, just spotted this myself. I'm spitting feathers that I was told I was already on the cheapest plan

@Graham24508943nobd you are on the single app Photoshop subscription - there is another option that is a better deal:

https://www.adobe.com/uk/creativecloud/plans.html?filter=photography&plan=individual

The only difference is if you want LRclassic (local not cloud) and the 1TB of storage which is going away anyway.

Photography plan £9.98/mo 

I was told by one of their agents that I was already on the cheapest plan. £19.99 PM.  Being in the UK there'll be different rates

What plan do you have @MontyWales 

Cant see where it says that they are included in my plan 

My opinion - I believe the Credit "scheme" is not meant to be a means of monetary income - more so a means to control the volume of traffic hitting the AI servers. By limiting access (if you have a better method Im sure they are all ears), they can control the quality of service. If they left it wide open you know there would be users hammering this constantly or opening it up to more nefarious attacks and we'd all suffer (and complain even more).