Cloud costs, basic incorporation fees, etc are nothing compared to labor costs, for example, or what it will cost to keep a roof over your head while you build out your product and get traction. Those credits et al are peanuts by comparison.
To be clear - my original comment wasn't really intended to disparage incubators, accelerators, etc, but rather to say that you can spend a lot of time playing the whole startup game where often you are better off to just keep your head down and focus on your own work.