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/organize-notebook/route.ts

@@ -2,7 +2,7 @@ import { NextRequest, NextResponse } from 'next/server'
 import { auth } from '@/auth'
 import prisma from '@/lib/prisma'
 import { notebookOrganizerService } from '@/lib/ai/services/notebook-organizer.service'
-import { reserveUsageOrThrow, QuotaExceededError } from '@/lib/entitlements'
+import { withAiQuota, handleQuotaHttpError } from '@/lib/ai-quota'
 import { syncNoteLabels } from '@/app/actions/notes'
 
 export async function POST(request: NextRequest) {
@@ -17,19 +17,6 @@ export async function POST(request: NextRequest) {
       return NextResponse.json({ error: 'notebookId is required' }, { status: 400 })
     }
 
-    try {
-      await reserveUsageOrThrow(session.user.id, 'reformulate')
-    } catch (err) {
-      if (err instanceof QuotaExceededError) {
-        const isTierLocked = err.currentQuota === 0
-        return NextResponse.json(
-          { error: isTierLocked ? 'feature_locked' : 'quota_exceeded', errorKey: isTierLocked ? 'ai.featureLocked' : 'ai.quotaExceeded' },
-          { status: 402 },
-        )
-      }
-      throw err
-    }
-
     const notes = await prisma.note.findMany({
       where: { notebookId, trashedAt: null, userId: session.user.id },
       select: { id: true, title: true, content: true },
@@ -46,13 +33,20 @@ export async function POST(request: NextRequest) {
       contentPreview: n.content.replace(/<[^>]+>/g, ' ').replace(/\s+/g, ' ').trim().slice(0, 300),
     }))
 
-    const result = await notebookOrganizerService.analyze(notesForAnalysis)
-
+    const result = await withAiQuota(
+      session.user.id,
+      'reformulate',
+      () => notebookOrganizerService.analyze(notesForAnalysis),
+      { lane: 'chat' },
+    )
 
     return NextResponse.json(result)
-  } catch (error: any) {
+  } catch (error: unknown) {
+    const quotaResp = handleQuotaHttpError(error)
+    if (quotaResp) return quotaResp
     console.error('[Notebook Organizer] Error:', error)
-    return NextResponse.json({ error: error.message || 'Failed to organize notebook' }, { status: 500 })
+    const message = error instanceof Error ? error.message : 'Failed to organize notebook'
+    return NextResponse.json({ error: message }, { status: 500 })
   }
 }