You may have funded the account last year and did nothing with it. My understanding is you would still count as an MAU even if you didn’t interact with RH.
It starts out with "A user need _not_ satisfy". They're saying funding has nothing to do with MAU. The language is pretty clear - "while logged into their account, at any point during the relevant month".
If you don't like it, I get it, but you've offered nothing than "I say they're shady!"
You may have funded the account last year and did nothing with it. My understanding is you would still count as an MAU even if you didn’t interact with RH.