For any Google service with billing, always set up an entirely new account, in incognito mode, without using the same recovery phone number or email address.

That way Google won't ban your main account for non-payment.

It's the only way, especially considering Google cloud has no functionality to cap spending.

They will link the accounts by IP (and other fingerprinting), and you will get banned.

My experience shows they do not.

For a ban, they need something concrete like using the same browser cookies, recovery email address or phone number.

IP isn't enough alone - you could be on shared WiFi.

Also, after account creation, you can log in from the same place without risk, or even use multi-login to log into both accounts at the same time.

I’m so tired of this widespread tracking. You can’t even buy a burner phone anymore because there exists multiple fingerprinting methods.

Phone and desktop OSs should grow a pair and create a virtualization protocol to randomize tracking info to keep PII anonymous.

I moved off of gmail after reading stories of people getting locked out of their google accounts and how difficult it made things due to email basically being an internet passport, so I sympathise with your fear here.

With that said, If I delivered you services and then you credit card chargebacked me, I'd cut all relations with you as well.