I got a $100 AI bill. Then I found the $80,000 ones. So I built a kill switch.(2026)

A few weeks ago I woke up to a $100 charge from my AI provider. For a lot of people that's nothing. For me, a solo de who obsessively keeps infrastructure costs near zero, it genuinely stung. The part that got me was what I found when I went looking for answers. The Actual Problem Reddit threads. Developer forums. People waking up to $10,000. $30,000. $80,000 bills.