The point is that by not implementing such configurable caps, they are not being customer friendly, and the argument that it couldn’t be made 100% accurate is just a very poor excuse.

Sure, not providing that customer-friendly feature bestows them higher profits, but that’s exactly the criticism.

They also refuse refunds. Because it is profitable, even if the customer is unhappy to pay it.

If it were highly profitable for them to implement some form of budget cap cutoffs, they would! It's obvious it's not a game they are interested in.