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/components/dashboard-widget-grid.tsx

@@ -151,7 +151,20 @@ export function DashboardWidgetGrid({ renderWidget }: DashboardWidgetGridProps)
     fetch('/api/dashboard/layout', { cache: 'no-store' })
       .then(r => r.ok ? r.json() : null)
       .then(json => {
-        if (json?.layout) setLayout(normalizeDashboardLayout(json.layout))
+        if (json?.layout) {
+          const normalized = normalizeDashboardLayout(json.layout)
+          setLayout(normalized)
+          const incomingVersion = typeof (json.layout as { version?: number })?.version === 'number'
+            ? (json.layout as { version: number }).version
+            : 0
+          if (incomingVersion < normalized.version) {
+            fetch('/api/dashboard/layout', {
+              method: 'PUT',
+              headers: { 'Content-Type': 'application/json' },
+              body: JSON.stringify({ layout: normalized }),
+            }).catch(() => {})
+          }
+        }
       })
       .catch(() => {})
       .finally(() => setLoaded(true))