yeah, I don’t know why anyone thinks otherwise.

for personal/hobby accounts sure. for a business, it’s much better to negotiate around billing or adjust systems/processes post-facto than it is to have service cut off unexpectedly.

debts are easier to manage when you have an active (ideally growing) customer base. you don’t have customers anymore if your cloud account takes down your service for the rest of the month due to spending limits.

If you are actually a business, a common warning that you are near the limit should mostly resolve it. It might only be tricky because the estimated time remaining is really short if it's a huge recent spike: eg. nobody is looking forward to a notice of "you'll use up your spending limit in 4h" on the weekend.

This type of warning should give you enough time to investigate if the warning is real and adjust the spending limits.

But then again, even if you hit them and your services get paused, you'd be increasing the spending limits and restoring services after you are back at work and notice they are down, so it mostly comes down to your incident response times.