Azure does bills on credit, IE: you spend and pay later. That's up to them, but it's far riskier than prepurchased credits.
I'd find a jury unwilling to believe that a similar real life scenario would raise no flags. It's only a flag raiser because tech companies have automated away all human interaction with billing. Imagine someone claiming to be bob, who regularly shops at the grocery store for 100 dollars a week, now wants to come in and spend, say, 10,000 dollars, on credit. This would be a red flag to any proprietor. Now imagine that proprietor going after bob, who was not there, and claim he is responsible.
