An agent is a loop that spends money each time round. On your laptop, the worst case was your own bill. On the internet, the worst case is a stranger with a script, or one confused conversation that calls a tool forever.
No single limit covers that. You stack four, from cheapest to check to most important:
Per request: a rate limit stops bursts before any work happens.
Per run: a turn cap and max_tokens bound one question.
Per user, per day: a token budget bounds one person.
Per account: an AI Gateway spend limit is the backstop if your code has a bug.