Most cost-control code is written to be invisible. A budget check sits on the request path, returns early when spend is under the threshold, and the interesting branch, the refusal, runs only when money is already gone. That branch is where the bugs live: a missing error code, a message that leaks a key prefix, a log line written before the correlation ID is attached.
The reason to care is scale of failure, not elegance. One team's internal report describes a pre-production worker loop that ran a default high-capability model for eight days and produced $7,152.89 in charges against a normal monthly baseline of about $11, driven by 1.14 billion tokens from a single loop (softwarepricing.com). A cap that was never exercised is not protection against that shape of incident. This is the same argument testers have made about rate limits for years: a test that calls a service until it throttles is only worth writing if you care about the result and the result changes your confidence (Stack Exchange).
The decision rule for this article: write a refusal fixture for every cap on the request path that can stop, degrade or reroute a call. If a limit only produces a dashboard line, it gets a different test (see the comparison table below).



