I disagree pretty fundamentally with your first line. "Having a backbone" is in no way equivalent to being reasonable when someone (or an organization) makes a mistake.
> If you're fine with someone going into your account and pulling money at will, all the power to you
If you've got a Google AdMob, you've already done this, right? You've given them the ability to push/pull from your account, and signed whatever agreement about "we're not responsible for xyz."
I don't have an account, but presumably there was some line in there about not being liable for mischarges, or something along those lines.
