fix: honor Qoder resource package quota

[caigee-cmd]

Summary

• keep Qoder accounts routable when base quota is exhausted but an available add-on or organization resource package has remaining credits
• persist and display add-on/resource-package availability and balance
• add regression coverage and bilingual release notes

Test plan

• go test ./...
• go vet ./...
• cd worker && npm test
• cd frontend && npm run build && npm run lint
• cd frontend && npm run sync
• python3 scripts/release-notes.py self-test && python3 scripts/release-notes.py validate
• No tokens, auth blobs, raw captures, or host details in the diff