Check if user has enough credits before responding with AI generated content

[jurgenwerk]

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[github-actions]

Host Test Results

    1 files  ±    0      1 suites  ±0   19m 25s ⏱️ + 3m 46s
685 tests +100  684 ✔️ +101  1 💤 ±0  0 ❌  - 1 
690 runs  +101  689 ✔️ +102  1 💤 ±0  0 ❌  - 1 

Results for commit 39db7ad. ± Comparison against base commit 703302e.

This pull request removes 1 and adds 101 tests. Note that renamed tests count towards both.

Chrome 131.0 ‑ Global error: Uncaught Error: status: 500 -           . unexpected exception in realm TypeError: Failed to fetch at http://localhost:7357/assets/chunk.bb67714094110de6b900.js, line 457896  While executing test: Acceptance | code submode tests > single realm: updates values in preview panel must be represented in editor panel 

Chrome 131.0 ‑ Acceptance | code submode tests > single realm: card preview live updates when index changes
Chrome 131.0 ‑ Acceptance | code submode tests > single realm: card-catalog does not offer to "create new card" when editing linked fields in code mode
Chrome 131.0 ‑ Acceptance | code submode tests > single realm: closes the top-most modal first when clicking overlay background
Chrome 131.0 ‑ Acceptance | code submode tests > single realm: updates values in preview panel must be represented in editor panel
Chrome 131.0 ‑ Acceptance | code submode | schema editor tests: adding a "default" field type from the schema editor
Chrome 131.0 ‑ Acceptance | code submode | schema editor tests: adding a field from schema editor - cardinality test
Chrome 131.0 ‑ Acceptance | code submode | schema editor tests: adding a field from schema editor - whole flow test
Chrome 131.0 ‑ Acceptance | code submode | schema editor tests: an empty file is detected
Chrome 131.0 ‑ Acceptance | code submode | schema editor tests: card type and fields are clickable and navigate to the correct file
Chrome 131.0 ‑ Acceptance | code submode | schema editor tests: deleting a field from schema editor
…