His comment about not being able to pre-load an account with enough money to cover the usage to avoid the noob filter seems like it should be easy to fix, but I'm not sure it would solve the "whoops, I just accidentally wasted 6 figures, can I have it back?" problem Google presumably implemented this policy to fight. Sure Google won't necessarily be on the hook since they already have the money, but at the same time it's hard for customer service to go tell someone like that to pound sand. They clearly have money to spend even if they managed to waste a ton of it this time.
Maybe a flag you could set in your account that says "I know what I'm doing and I promise not to ask for refunds for my mistakes." Obviously if the money is lost due to a Google screwup then yeah, I'm going to want that back, but if I forgot to turn off a few thousand max GPU instances over the weekend then that's on me. Maybe combine that flag with a prepayment system? And if you blow out your account then it halts your instances until you top it off, hopefully with a bunch of text messages and emails to the admin.