I'm a hobby programmer who runs a few small projects on GCP. My personal spending is smaller than OPs, but as mentioned elsewhere, once you hit a certain threshold, they will contact you to offer switching to a business account. Obviously they're not gonna force you to switch if you don't want to, but then don't complain for not getting business level support.

Hundreds or thousands is easily spent by 'consumers' on any public cloud. Think about it.

Paying bills offline via invoice establishes a enterprise agreement with cloud providers. It does in fact change everything with the issue discussed here. They wouldn't be taken offline due to an issue with the credit card payment.

In Germany, maybe even all of europe you need a tax ID which you, at least as far as the type they require is concerned, only get as a business, not a consumer. I actually tried due to the relatively easy way to get a fancy, reliable network (I kind of admire their global SDN that can push within 5% of line rate with no meaningful, added packet loss (apart from the minimal amount due to random cosmic rays and similar baseline effects).

They actually relented on that. You can now register "Individual" accounts that don't need a tax ID: https://cloud.google.com/billing/docs/resources/vat-overview

Individual projects without a GCP organization association are probably treated as consumer accounts.

That is correct. CC billing and individual projects could be consumer level usage. Anyone can signup for this level account and use for whatever purpose. Offline invoicing and G Suite / Organization setup / domain validation / enterprise support could be thought of as enterprise and would come with assurances such as billing payment stability.

What are you talking about? Are you representing Google in some way?

We have significant spend on CC with GCP and we’re not “consumers”. Our account manager has no issue with this. If they did we’d move somewhere else.