Sure, but that's just not what we're discussing here. The author of the original article clearly authorised the increased spend (but obviously not the sudden ch

Sure, but that's just not what we're discussing here. The author of the original article clearly authorised the increased spend (but obviously not the sudden change causing it), and could have declined (presumably at the cost of having his app throttled or shut down). Nothing about a "cloud only card" would have changed his situation the least.