You can renew your HTTPS certificate for 90 days the day before your domain expires. Your CA can't see if the credit card attached to your auto renewal has hit its limit or not.
I don't think the people using IP certificates will be the same people that abandon their IP address after a week. The most useful thing I can think of is either some very weird legacy software, or Encrypted Client Hello/Encrypted SNI support without needing a shared IP like with Cloudflare. The former won't drop IPs on a whim, the latter wouldn't succeed in setting up a connection to the real domain.
I don't think the people using IP certificates will be the same people that abandon their IP address after a week. The most useful thing I can think of is either some very weird legacy software, or Encrypted Client Hello/Encrypted SNI support without needing a shared IP like with Cloudflare. The former won't drop IPs on a whim, the latter wouldn't succeed in setting up a connection to the real domain.