You have a person to reach out to if things go pear shaped, and N(weeks|months) to sort out payments issues instead of having everything get suspended by robots.

What about telling those robots not to suspend everything and wait for N(weeks|months) or human intervention?

Bitcoin miner goes brrr!

The card is billed once a month anyway.

1. Because they'd probably have to hire several hundred humans and give them benefits. It's much cheaper just to trust the robots.

2. Unlike a small hosting company, Google is so big it will suffer essentially no financial consequences if their robots make a wrong decision for credit card customers a few times per month.

So there is no cost to Google for leaving the system as is, and a high cost for your solution. The decision is a no-brainer from their point of view.