Agree totally. I'm super paranoid and anxious about this issue. I've seen too many horror stories posted on Reddit. I did set alarms at $10 a day on the account, but those are only alarms and it could be thousands over before I see them.

I think Google did finally implement hard limits this month and I need to go and find that setting, but it's useless if, like you say, they have shitty rate limiting and measurement so that you're way over the limit before they stop you.