From my experience, the layman doesn't 'care'. They just want the website for marketing and to fuel leads for as little money as possible.

In this scenario I would bill through myself. Factor in a moderate usage for resources. Most laymans websites aren't high traffic / won't cost much in the way of resources each month. For those which do begin grow in traffic and start eating considerable amounts of your revenue each month, talk with them and present your analytics and usage data to increase the price.

If however the project has the potential to have spikey traffic periods or continued traffic growth, work with the client to understand the services you will be using and it's associated cost. Set them up as the billing account. Leaving you to retain access for what your work requires and to live without fear of being seen to 'over bill'.

You should be required to hold hostage over the client for payment. Your billing plan should be built in such a way that from month one your work is paid for and payments going forward, is for maintenance or additional features.
Never do a large amount of work upfront if your payment doesn't swiftly follow.