1. Exactly! We built one of the early cloud cost management products before EC2 had cost explorer (it was called RightScale Cloud Analytics) and spent years working on the reactive approach. We're now bringing costs into the dev workflow, in the same way that security tools like Snyk have switched the focus to proactive.
2. Yep, those tools query the cloud APIs for existing resources. Meaning they have to have been launched (and already costing money) to be discovered.