We're going to need default hard budget caps on pretty much everything
Here's a product feature which the world is going to need a whole lot more of over the coming months and years: default hard budget caps . I'm talking about the feature of pay-by-usage services and APIs that lets you say "after $X/month, cut this thing off and return errors". These need to be hard limits. Soft caps, "after $X/month, send me a warning email", will not cut it. Coding agents, and personal agents (coding agents wrapped in a less threatening UI), greatly reduce the friction of spinning up code that can do useful things. Sometimes those things cost money - calls to paid APIs, or hosted web applications, or systems that can bill for additional storage and compute. Nobody wants to wake up to an email sent at midnight warning about a budget limit and find that, while they slept, their rogue service had consumed several hundred (or several thousand) more dollars of usage. An argument against this is that businesses don't want their hosted applications to start throwing errors because some budget was exceeded. I expect that most businesses and individuals would prefer errors to a surprise $10,000+ bill. I think hard budget caps need to be the default. If someone wants to live