I don't understand how anyone uses a paid API for a personal project. I looked hard into MS, Google and Amazon a few years ago for a project and couldn't find anywhere where you could hard block services to never ever go above the free tier.
Considering that I'll build a project and forget about it for years, putting in my credit card into a cloud service was a guaranteed gigantic bill sometime in the future when things went wrong. (Over your life, something is guaranteed to go wrong.)