A week ago I (a hobbyist running a small side project for a dollar or two a month in normal usage, so my account is marked as "individual") got hit with a ~$17,000 bill from Google cloud because some combination of key got leaked or my homelab got compromised, and the attacker consumed tens of thousands in gemini usage in only a few hours.

Google denied a rate adjustment, and haven't reached back out to me for a good few days now. My credit card denied the charge because it was over my credit limit by a good few thousand dollars and they suspected fraud, but now I am terrified of being taken to collections and ruining my prospects of renting an apartment due to my credit score/history being ruined, or them just taking me to court.

I am never going to use "use now pay later" services, especially with cloud portals where it's so hard to put in a actual cap, and the cloud provider not having any sane rate limits. I am fine paying if it was negligence or a mistake on my part as a very expensive lesson in security, but 17k is brutal.

The fact they don't have an easy way to hard cap usage (especially for an individual account) and have ineffective rate limits (how on earth is an account that pays a few dollars a month able to run up tens of thousands in just a few hours), makes me never want to use their (or any use now pay later with no easy caps or rate limits) service ever again. Or even a phone number to call.