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Do you not? I really don't know, I don't use texts much and we've had unlimited texts for like, 15+ years. I always see 'normal carrier fees apply' on OTP notifications, so I just assumed they counted against limited plans.
Finn here. For us, receiving SMS has never cost anything. Downloading MMS, that used to cost, but no-one uses those.
Sending an SMS could be as expensive as 20c when I was a kid. And an SMS is 160 characters. So if you wrote a long one it'd send it as three.
Then when I was about 12-13 there started being unlimited texting packages, which advertised as unlimited but after giving kids access to the service for a few months, limits were soon imposed to like a 1000 sms a month.
I can't imagine being a teenager with only 1000 sms a month. I think at one point i was sending hundreds of texts per day
People in Europe switched to internet based messaging (mostly WhatsApp) as soon as smartphones got popular enough.