> and they also imply deleting all your data so that you don't pay for storage.
Not necessarily. They could imply that your storage becomes inaccessible immediately, but only gets deleted after some time period (say, 1 month). What spending limits do depends on the implementation.
That's even more work to implement. And now you store files on a second account that pays for only one day a month to not get deleted.
No wiggle room to come up with a workable solution. Let’s go shopping instead.