kshitij
4a3942d948
fix: show explicit member spend cap message instead of 'no credits'
...
When the Nous Portal returns paid_service_access.allowed=false with
reason=member_spend_cap_exceeded, Hermes was falling through to the
generic 'no active subscription or usable credits' message — even
though the user has ample purchased credits and the real blocker is
an org-level per-member spend cap.
This adds a dedicated branch that surfaces the actual cause: names the
spend cap, shows the cap/spend amounts, and tells the user to ask their
org admin to raise it. Also adds member_spend_cap_exceeded to the
billing error code set so the error classifier and auth error formatter
route it through the Nous entitlement message path.
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