So I did my blameless postmortem on this one and the root cause is me not reading TOS updates. Signed up with Hetzner in 2021, "free .com for life with any annual hosting plan." Life, it turns out, is contingent on my plan renewing at the "then-current rate."
Current rate for my "Legacy Starter" is $38/year. Same specs are $12 on their front page. They migrated me to "Legacy" tier two years ago via TOS change. Email? Spam folder, maybe. Never saw it. Transparency from Hetzner on this has been basically zero.
Error budget for my trust in hosting deals: exhausted. Anyone else get hit by this?
Edit: Just checked. TOS update was buried in a "billing system maintenance" email. No mention of "Legacy" tier. Classic.