Then your piggybacking on their infrastructure. I don't think they are unreasonable. "It can be done for pennies, but I won't" sort of implies that it does indeed take more than pennies worth of effort.
It's a yearly fee that amounts to a couple hundred dollars. That's about an hour of an engineer's salary. Zulip's customers make this less than a fraction of a fraction of a fraction of a rounding error.