Ah, yeah I see how that is confusing, but yes it is intended behavior. Created Ingresses count towards the limit even if nothing is being streamed. BUT you only get charged while you are streaming. Does that make sense?
Making this check when you start streaming via RTMP is theoretically possible, but it would add overhead (latency) when you start a stream, which we wanted to avoid.
You should feel free to submit an ingress increase, by the way — we approve almost all of them