This is one of those reasons why I prefer prepaid cloud services. There are not many providers in this field (Vultr, Digital Ocean, etc). You can generally estimate the length of the runway based in the funds you have in your account.

It also helps that there are multiple funding sources, so I can split the bill between multiple cards or accounts.

I travel the major part of the year, and it is quite common to get my cards lost (often at my own fault) or compromised (Mastercard tends to suspend cards when they detect charges from multiple countries in a short time frame). I can wait for the new cards to arrive worry-free that my cloud services don't take a hit like this.