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>

memento-note/app/api/ai/batch-organize/route.ts

@@ -2,6 +2,7 @@ import { NextRequest, NextResponse } from 'next/server'
 import { auth } from '@/auth'
 import { batchOrganizationService } from '@/lib/ai/services'
 import { hasUserAiConsent } from '@/lib/consent/server-consent'
+import { reserveUsageOrThrow, QuotaExceededError } from '@/lib/entitlements'
 
 /**
  * POST /api/ai/batch-organize - Create organization plan for notes in Inbox
@@ -40,6 +41,8 @@ export async function POST(request: NextRequest) {
       }
     }
 
+    await reserveUsageOrThrow(session.user.id, 'reformulate')
+
     // Create organization plan
     const plan = await batchOrganizationService.createOrganizationPlan(
       session.user.id,