On: Google seems to have signed me up for Google Pay without asking

[danuker]

The maximum is 4% or €20M whichever is HIGHER.

So, for a one-person startup, €20M means game over.

https://danuker.go.ro/gdpranoia.html#fines

[josefx → danuker]

I wouldn't be surprised if that "or" clause was added specifically to kill one person post box companies that only exist to carry the risk. Big Tech is very good at throwing empty shell companies at problems that involve paying money, like taxes.