Not sure I agree with you Massey058. Sure, if you don't have phone credit you can't use the 0900 number. But why can't you plan ahead to terminate on the radio before the SAR expires? Planning ahead is a core competency for all of us after all.
Sometimes people think that poor radio coverage prevents this. It doesn't usually, because it's easy to set a SARtime so it won't expire whilst you're in a radio black-spot, or so it gives you time to land and get to a landline. (Yes, I'm familiar with some exceptions to this one. But Tower or Control frequencies are usually accessible at a pinch.)
I've no objection to Airways taking $35 worth of cost recovery from the careless or the thoughtless, which in my environment (flight training) is 99.5% of the problem.