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/prisma/migrations/20260714190000_sync_publish_enhance_entitlements/migration.sql

@@ -0,0 +1,6 @@
+INSERT INTO "PlanEntitlement" ("id", "tier", "feature", "limitValue", "createdAt", "updatedAt")
+VALUES
+  ('pe-basic-publish_enhance', 'BASIC', 'publish_enhance', 2, NOW(), NOW()),
+  ('pe-pro-publish_enhance', 'PRO', 'publish_enhance', 15, NOW(), NOW())
+ON CONFLICT ("tier", "feature") DO UPDATE
+SET "limitValue" = EXCLUDED."limitValue", "updatedAt" = NOW();