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/suggest-notebook/route.ts

@@ -2,6 +2,7 @@ import { NextRequest, NextResponse } from 'next/server'
 import { auth } from '@/auth'
 import { notebookSuggestionService } from '@/lib/ai/services/notebook-suggestion.service'
 import { hasUserAiConsent } from '@/lib/consent/server-consent'
+import { withAiQuota, handleQuotaHttpError } from '@/lib/ai-quota'
 
 export async function POST(req: NextRequest) {
   try {
@@ -21,7 +22,6 @@ export async function POST(req: NextRequest) {
       return NextResponse.json({ error: 'noteContent is required' }, { status: 400 })
     }
 
-    // Minimum content length for suggestion (20 words as per specs)
     const wordCount = noteContent.trim().split(/\s+/).length
     if (wordCount < 20) {
       return NextResponse.json({
@@ -31,18 +31,25 @@ export async function POST(req: NextRequest) {
       })
     }
 
-    // Get suggestion from AI service
-    const suggestedNotebook = await notebookSuggestionService.suggestNotebook(
-      noteContent,
+    const suggestedNotebook = await withAiQuota(
       session.user.id,
-      language
+      'auto_tag',
+      () => notebookSuggestionService.suggestNotebook(
+        noteContent,
+        session.user!.id,
+        language
+      ),
+      { lane: 'tags' },
     )
 
     return NextResponse.json({
       suggestion: suggestedNotebook,
-      confidence: suggestedNotebook ? 0.8 : 0 // Placeholder confidence score
+      confidence: suggestedNotebook ? 0.8 : 0
     })
   } catch (error) {
+    const quotaResp = handleQuotaHttpError(error)
+    if (quotaResp) return quotaResp
+    console.error('[/api/ai/suggest-notebook] Error:', error)
     return NextResponse.json(
       { error: 'Failed to generate suggestion' },
       { status: 500 }