My (naive) solution. Every new account by default has an SMS alert that trips at $100. It says "Your account has exceed $100 spend. Reply 'SHUTDOWN' to shutdo

My (naive) solution. Every new account by default has an SMS alert that trips at $100. It says "Your account has exceed $100 spend. Reply 'SHUTDOWN' to shutdown all services, 'STOP ALERTS' to never see this alert again, or 'DOUBLE TRIGGER' to double the alert trigger value to $200." $100 is arbitrary, it could be any nominal sum. The idea being that the user can double the alert each time they get it just from SMS. I bet 95% of users would double their alert limit to a comfortable point. The other ~5% will be power users who customize their alerts. The idea that these companies couldn't know what limits customers want is kinda silly. We can use the same techniques for alerts that we use in algorithms for expanding vector storage, for example. We can "amortize" alerts, so to speak.