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I understand this is snark, but if you think about it, this is already implemented in electrical infrastructure. If I use too much power, the circuit breaker trips to protect me and protect the electrical grid. OP is about a billing breaker, but the parallels should be obvious.

If the CEO of the electric company didn't mandate circuit breakers, he should go to jail.

The breaker in this analogy is equivalent to rate quota limits, it limits peak throughput.

You can rack up an outrageous monthly electricity bill without tripping a breaker.

The peak throughput does result in an overall monthly limit though. For a house with a 200A main breaker, that effectively limits your electric bill to $7,000/month, which is very reasonable compared to the tens of thousands of dollars in a single day that a lot of cloud billing disasters end up costing.

Analogies are not the core of your cognition.

Utilities required for basic survival are expected to remain on for obvious reasons. Like not letting people die.