fix(quotas): unifier le décompte IA (BYOK, rollback) et combler les fuites

Centralise la réserve via ai-quota, corrige admin unavailable (-1), brancher les routes sans quota et le host-pays brainstorm, avec usage-meter élargi, noms de clusters, MCP et ajustements dashboard/insights.

Co-authored-by: Cursor <cursoragent@cursor.com>

docker-compose.yml

@@ -150,7 +150,7 @@ services:
           cpus: '0.25'
           memory: 128M
     healthcheck:
-      test: ["CMD-SHELL", "wget --header \"x-api-key: $${MCP_API_KEY:-dev-key}\" -q -O /dev/null http://localhost:3001/ || exit 1"]
+      test: ["CMD-SHELL", "wget -q -O /dev/null http://localhost:3001/health || exit 1"]
       interval: 30s
       timeout: 10s
       retries: 3