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/brainstorm/[sessionId]/summarize/route.ts

@@ -3,7 +3,8 @@ import prisma from '@/lib/prisma'
 import { auth } from '@/auth'
 import { runLaneWithBillingUser } from '@/lib/ai/provider-for-user'
 import { getSystemConfig } from '@/lib/config'
-import { verifyParticipant } from '@/lib/brainstorm-collab'
+import { billingOwnerFromSession, verifyParticipant } from '@/lib/brainstorm-collab'
+import { withSessionAiQuota, handleQuotaHttpError } from '@/lib/ai-quota'
 
 function localeToLanguageName(locale?: string): string {
   const map: Record<string, string> = {
@@ -53,6 +54,11 @@ export async function POST(
       return NextResponse.json({ error: 'No ideas to summarize' }, { status: 400 })
     }
 
+    const { billingOwnerId, isGuestActor } = billingOwnerFromSession(
+      brainstormSession.userId,
+      session.user.id,
+    )
+
     const ideasText = ideas
       .map((idea, i) => `${i + 1}. [Wave ${idea.waveNumber}] ${idea.title}: ${idea.description}`)
       .join('\n')
@@ -79,15 +85,27 @@ Write a concise synthesis (4-6 sentences) that:
 Be direct and action-oriented. No bullet points, just flowing prose.`
 
     const config = await getSystemConfig()
-    const { result: summary } = await runLaneWithBillingUser(
-      'tags',
-      config,
+    const summary = await withSessionAiQuota(
+      billingOwnerId,
       session.user.id,
-      (provider) => provider.generateText(prompt),
+      isGuestActor,
+      'brainstorm_enrich',
+      async () => {
+        const { result } = await runLaneWithBillingUser(
+          'tags',
+          config,
+          billingOwnerId,
+          (provider) => provider.generateText(prompt),
+        )
+        return result
+      },
+      { lane: 'tags' },
     )
 
     return NextResponse.json({ success: true, data: { summary: summary.trim() } })
   } catch (error) {
+    const quotaResp = handleQuotaHttpError(error)
+    if (quotaResp) return quotaResp
     console.error('Error summarizing brainstorm:', error)
     return NextResponse.json({ error: 'Failed to summarize' }, { status: 500 })
   }