So true. At one point Google Ads had a BillingCap enum in their APIs, used to set up "capped actuals", a scheme also known as "monthly with rollover". Something that I understood as selling monthly quotas of a consumable, or as you put it, "cloud points".
My notes points to: https://developers.google.com/ad-manager/api/reference/v2019... . But this URL is broken and I can't find any trace of "capped actuals" anywhere in Google's documentation. I guess it was probably rebranded/refactored into budgets/monthly spending limit/monthly invoicing/whatever.
At the end I think "points" is a better way to sell this feature. If this is generic enough, it can be an answer to airlines' miles and similar loyalty programs the retail industry is fond of.