[Havoc]

>Suddenly turning off services when the billing cap is reached is a big reliability risk for customers.

That's why you make it opt in with suitable disclaimers about data loss from deletions (a warning which btw GCP already shows you when you disable billing on an active project).

I'd say the average person is well positioned to determine whether they're a broke student that can't afford a $1000 surprise or a corporation that needs reliability above all.