Your examples are cases in which you know what the bill is going to be before placing your order. With LLMs, you're paying per output token, not per request, yet you don't get all the tokens.
When you hire lawyers or consultants you usually don’t know how many hours they’ll bill you. It will depend on developments in the case that you cannot in general predict. For example if the other side files a motion and your lawyer has to argue against it, they’ll bill you for it.
Sure you can set spending limits, just like you can make an account and give it a limited amount of credits.