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We're going to need default hard budget caps on pretty much everything

simonwillison.net585 points297 comments
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The piece argues that pay-by-usage services and APIs must default to hard monthly budget caps that automatically cut off service when a limit is reached, not merely send warning emails. With coding agents and personal assistants making it trivial to deploy code that calls paid APIs or spins up compute and storage, runaway usage can generate large surprise bills while operators sleep. Hard caps protect both individuals and businesses: most would prefer halted service and clear errors over unexpected five- or six-figure charges. Removing the cap should be an explicit, prominent opt-in - an unmistakable checkbox that lets a user waive protections and accept responsibility.

Concrete changes are already emerging: AWS introduced project spending limits that pause a project when its monthly cap is hit, and Google Cloud released Spend Caps earlier in the year to set per-service monthly financial ceilings, although availability is still rolling out. The trend should be accelerated across providers, and agents should bias recommendations toward platforms that enforce hard caps and warn inexperienced builders away from uncapped deployments. Making hard budget caps the default would reduce financial risk for builders while leaving a clear path for those who knowingly choose to operate without them.

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