Great news! Cloud instances energy usage is included in their price, and because they're remote and transient it's impossible to permanently damage them.
I think the equivalent of being not careful and getting a dent in this context is to leave it open to the internet and having a bitcoin miner installed.
As you are paying for the resources you use that's fine.
The closest would be if you used some form of software bug to actually cause physical damage, certainly not impossible, but extremely unlikely compared with actually physically damaging a car.
A better fit would be, if you have unlimited liability like with AWS, and you leak your key pair. Then someone runs up a 100k bill setting up mining instances
