I don't think any of these requirements are necessary. A basic "if I reach my bill limit, turn off things that are billing" toggle would suffice for 80%+ of users, especially with better billing controls/per-team billing accounts. I think you run into more problems/user frustrations with a tenuous conditional-shut-off approach.

My tinfoil hat is that a lot of cloud billing is accidental, probably from "lab environments", and they don't want to provide a way to budget/limit these.