@Mrs Ana
"So, a user, who has been experiencing this issue since at least December 2019, does not show that they haven't been able to log in for over a month. I meant to say that users have been experiencing this for at least a month or more, not that they haven't been able to log in for a month straight. This specific user that I mentioned has been dealing with this for over 8 months right now
."
Let me remind you how we get to this point. You originally asked the question if someone can't login for over a month, should he cancel the service and ask for a refund. And my answer is I think so and I will too. However, this is not the case in the user you quoted, as he evidently were happy with his subscription status despite of the "too many login attempts" issue he said he had over several months.
"... if this were to "prevent" users from being hit by this security feature, this same thread that you and I are posting on wouldn't even exist."
Err... This thread is good (so far) as it allows us to learn what Jagex wants us to know - don't login too many times too often unnecessarily, and don't try to login again and again over and over again if you get the warning message or else you get more time on your account lock.
If it turned into how to exploit the Security Feature, then it should cease to exist in Jagex's domain.