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I know. I know. This is totally my fault. And it's been covered elsewhere. BUT. I had over a dozen users on my Figma account for literally MONTHS before I realized they were added when I simply invited a user or they requested access. Learn what accounts for a paid user and be very careful. Personally I'll be checking my user list every now and again. Don't fall into the same trap as I did, spending over a grand for no reason at all. Oh ya, check that FigmaJam thing too, may be paying even more due to that little confusing option. To view/manage your users:
Go to your Figma dashboard
On the left select "Admin" under your account name
At the top select "Members"
Check design seat. If it's View, it's not a paid member. If it's "Full" your paying for a license.
I was also paying for FigmaJam (I don't recall asking for it but again, I wasn't paying attention). Check that too next to each user. If it's set to "Full" you're paying for it.