What is this fud? Both AWS and Azure won't suspend your account for several months, even with charges failing. Especially not if you're communicating with them.
It's incredibly easy to get a hold of human support in case of the other clouds.
That's over $100,000 a year, at that point having a Key Account Manger (or Success Manager or whatever) to talk to should be the expectation.
At other companies where we've had an active and involved account rep literally just shot off one email and got back a "no worries, I put a block on the account so it can't be suspended without my approval".
I know in the past I've had personal accounts go a couple months in the red when a card expired and I wasn't staying on top of the emails.
These sorts of things are really only an issue with one specific provider.