Or just own your own hardware. Spend a few bucks at Microcenter, build a machine, and there's simply no mechanism by which they could decide later that you should actually pay 100x more, and then magically suck it out of your bank account.

None of this can happen unless you first cede control.

Most debit/prepaid cards will get rejected. Credit Cards technically have a limit but they really don't. It's an open line to your finances.