ExpectedLockinValue(given(ventureFunded)) + SillyPRBoost.value > ExpectedUsage($100k/yr)
Or, in other words, Google believes for the venture-funded cohort, giving you a $100k option now will set them up to take significantly more later. They also don't want to spend any effort administrating (vetting) this program.
I don't think this is confusing or insulting. Google's cards are plainly on the table, and as always they're here to make a profit.