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/usage-meter.tsx

@@ -69,9 +69,15 @@ export function UsageMeter({ className }: UsageMeterProps) {
     'auto_title',
     'reformulate',
     'chat',
-    'brainstorm_create', // Sera affiché comme "Sessions brainstorm"
+    'brainstorm_create',
+    'brainstorm_expand',
+    'brainstorm_enrich',
     'suggest_charts',
     'publish_enhance',
+    'ai_flashcard',
+    'voice_transcribe',
+    'slide_generate',
+    'excalidraw_generate',
   ]);
 
   const featureLabels: Record<string, string> = {
@@ -80,9 +86,15 @@ export function UsageMeter({ className }: UsageMeterProps) {
     auto_title: t('usageMeter.featureTitles'),
     reformulate: t('usageMeter.featureReformulate'),
     chat: t('usageMeter.featureChat'),
-    brainstorm_create: t('usageMeter.featureBrainstormSessions'), // Label simplifié
+    brainstorm_create: t('usageMeter.featureBrainstormSessions'),
+    brainstorm_expand: t('usageMeter.featureBrainstormExpand'),
+    brainstorm_enrich: t('usageMeter.featureBrainstormEnrich'),
     suggest_charts: t('usageMeter.featureCharts'),
     publish_enhance: t('usageMeter.featurePublishEnhance'),
+    ai_flashcard: t('usageMeter.featureFlashcards'),
+    voice_transcribe: t('usageMeter.featureVoice'),
+    slide_generate: t('usageMeter.featureSlides'),
+    excalidraw_generate: t('usageMeter.featureDiagrams'),
   };
 
   const featureQuotas = Object.entries(data.quotas)