You are right. Before our Large Senior 5 and International Coed 5 competed at events that offered bids to US Finals we informed the Event Producer that we already had bids to World's and would not use the bids to US Finals. That way the bids can go to teams that would be attending one of the US Finals locations.
I could be wrong, but of all the paid bid-granting comps we went to this year, the only level 5 team that I know of that got a paid bid was our Youth 5. We have two level 4 teams (Youth and Senior) and one level 5 (Youth) with full paid bids this year. Our two level 5 teams are going to Worlds and never had a paid bid to US Finals. They have the first place bids that they got for winning their groups, but that's it.
A coach or gym owner can clarify, but I thought they needed to indicate on the registration if a team was eligible for US Finals.