Some people have numerous characters too which probably costs them in the region of $51.80 per month based on 4 characters - which they are happy to pay.
You don't need to pay $50 for 4 characters unless you want Concurrent Characters.

Characters past the first are only $1 but you can't have them logged on simultaneously, and if you were going to multibox, you might as well just use Trusts, lol.