> basically any product where a consumer or enterprise pays money to google for anything other than advertising

Not exactly - the consumer stuff (subscriptions and devices) falls under services, while cloud covers GCP, Workspace, and enterprise-specific cloud services (like maps etc).

Basically if you pay for it with a monthly sub on a personal google account (including Gemini stuff like Ai pro) it's services.

[0]https://abc.xyz/investor/faqs-and-general-information/