> **Google's** up there at 23.4% primarily because GCP/Vertex/whatever they're offering is a billing nightmare and the only way to set a hard cap and sure you won't wake up the next day with a $10k bill is via OR.
OpenAI absolutely lets you set a hard or soft cap. I've set them and they've worked, I think one time I saw a $-0.01 balance. Their docs were probably written by ChatGPT. Later in that article it says:
> A spend limit can monitor spend without enforcement, or you can enforce it as a hard limit so API requests fail after spend reaches the limit.
And they still allow the most certain limit, which Google does not: have $0 on your deposited balance and don't have auto-reload enabled, you get 4XXed instead of going into debt (or at least by at most a couple cents).
Although for fun, go ask Gemini how you can set a cap on GCP spend. It'll try to write you a pub-sub client.