fix(ai): background generation cannot spend the interactive day

The automatic generators — status and reference cards, the briefing, the
arrival reaction, the nudge, document summaries and the index backfill —
reserved against the same ceiling as the chat. On the operator's account
that meant 150-330 ledger rows a day, 172 metric generations before
06:42Z, and a ceiling already spent when he opened the chat.

Every background surface now reserves through
`resolveDailyCapFor("job", chain)`: half the cost owner's ceiling, all
job surfaces together. The interactive routes keep the whole ceiling, so
a day of background work can no longer take the user's own away.

src/app/api/ai/test/__tests__/route.test.ts

@@ -35,6 +35,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   })),
   reconcileSpend: vi.fn(async () => undefined),
   resolveDailyCap: () => 200_000,
+  resolveDailyCapFor: () => 200_000,
   resolveCostOwner: () => "operator" as const,
 }));
 

src/app/api/documents/inbound/[id]/chat/__tests__/route.test.ts

@@ -51,6 +51,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn().mockResolvedValue({ allowed: true, reserved: 600 }),
   reconcileSpend: vi.fn().mockResolvedValue(undefined),
   resolveDailyCap: vi.fn(() => 100000),
+  resolveDailyCapFor: vi.fn(() => 100000),
   resolveCostOwner: vi.fn(() => "operator" as const),
 }));
 vi.mock("@/lib/ai/provider-runner", () => ({

src/app/api/documents/inbound/[id]/extract/__tests__/route.test.ts

@@ -69,6 +69,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn().mockResolvedValue({ allowed: true, reserved: 1 }),
   reconcileSpend: vi.fn().mockResolvedValue(undefined),
   resolveDailyCap: vi.fn(() => 1000),
+  resolveDailyCapFor: vi.fn(() => 1000),
   resolveCostOwner: vi.fn(() => "operator" as const),
 }));
 vi.mock("@/lib/documents/extract", () => ({

src/app/api/documents/inbound/[id]/index/__tests__/route.test.ts

@@ -52,6 +52,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn().mockResolvedValue({ allowed: true, reserved: 1 }),
   reconcileSpend: vi.fn().mockResolvedValue(undefined),
   resolveDailyCap: vi.fn(() => 1000),
+  resolveDailyCapFor: vi.fn(() => 1000),
   resolveCostOwner: vi.fn(() => "operator" as const),
 }));
 vi.mock("@/lib/modules/gate", () => ({

src/app/api/documents/inbound/[id]/suggest/__tests__/route.test.ts

@@ -40,6 +40,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn().mockResolvedValue({ allowed: true, reserved: 1 }),
   reconcileSpend: vi.fn().mockResolvedValue(undefined),
   resolveDailyCap: vi.fn(() => 1000),
+  resolveDailyCapFor: vi.fn(() => 1000),
   resolveCostOwner: vi.fn(() => "operator" as const),
 }));
 vi.mock("@/lib/modules/gate", () => ({

src/app/api/documents/inbound/[id]/summary/__tests__/route.test.ts

@@ -53,6 +53,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn().mockResolvedValue({ allowed: true, reserved: 1 }),
   reconcileSpend: vi.fn().mockResolvedValue(undefined),
   resolveDailyCap: vi.fn(() => 1000),
+  resolveDailyCapFor: vi.fn(() => 1000),
   resolveCostOwner: vi.fn(() => "operator" as const),
 }));
 vi.mock("@/lib/modules/gate", () => ({

src/app/api/insights/chat/__tests__/route-cancelled-turn.test.ts

@@ -105,6 +105,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget,
   reconcileSpend,
   resolveDailyCap: vi.fn(() => 2_000_000),
+  resolveDailyCapFor: vi.fn(() => 2_000_000),
   resolveCostOwner: vi.fn(() => "user" as const),
 }));
 

src/app/api/insights/chat/__tests__/route-fence-guard.test.ts

@@ -86,6 +86,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn(async () => ({ allowed: true, reserved: 1500 })),
   reconcileSpend: vi.fn(async () => undefined),
   resolveDailyCap: vi.fn(() => 2_000_000),
+  resolveDailyCapFor: vi.fn(() => 2_000_000),
   resolveCostOwner: vi.fn(() => "user" as const),
 }));
 vi.mock("@/lib/ai/coach/refusal", () => ({

src/app/api/insights/chat/__tests__/route-guard-activation.test.ts

@@ -134,6 +134,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget,
   reconcileSpend,
   resolveDailyCap: vi.fn(() => 2_000_000),
+  resolveDailyCapFor: vi.fn(() => 2_000_000),
   resolveCostOwner: vi.fn(() => "user" as const),
 }));
 

src/app/api/insights/chat/__tests__/route-guard-ledger.test.ts

@@ -127,6 +127,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget,
   reconcileSpend,
   resolveDailyCap: vi.fn(() => 2_000_000),
+  resolveDailyCapFor: vi.fn(() => 2_000_000),
   resolveCostOwner: vi.fn(() => "user" as const),
 }));
 

src/app/api/insights/chat/__tests__/route-guard.test.ts

@@ -109,6 +109,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget,
   reconcileSpend,
   resolveDailyCap: vi.fn(() => 2_000_000),
+  resolveDailyCapFor: vi.fn(() => 2_000_000),
   resolveCostOwner: vi.fn(() => "user" as const),
 }));
 

src/app/api/insights/chat/__tests__/route-list-query.test.ts

@@ -101,6 +101,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn(),
   reconcileSpend: vi.fn(),
   resolveDailyCap: vi.fn(() => 200_000),
+  resolveDailyCapFor: vi.fn(() => 200_000),
   resolveCostOwner: vi.fn(() => "operator" as const),
 }));
 vi.mock("@/lib/ai/coach/refusal", () => ({ detectRefusal: vi.fn() }));

src/app/api/insights/chat/__tests__/route-module-gate.test.ts

@@ -100,6 +100,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   })),
   reconcileSpend: vi.fn(),
   resolveDailyCap: vi.fn(() => 200_000),
+  resolveDailyCapFor: vi.fn(() => 200_000),
   resolveCostOwner: vi.fn(() => "operator" as const),
 }));
 vi.mock("@/lib/ai/coach/refusal", () => ({ detectRefusal: vi.fn() }));

src/app/api/insights/chat/__tests__/route-snapshot-once.test.ts

@@ -103,6 +103,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn(async () => ({ allowed: true, reserved: 1500 })),
   reconcileSpend: vi.fn(async () => undefined),
   resolveDailyCap: vi.fn(() => 2_000_000),
+  resolveDailyCapFor: vi.fn(() => 2_000_000),
   resolveCostOwner: vi.fn(() => "user" as const),
 }));
 vi.mock("@/lib/ai/coach/refusal", () => ({

src/app/api/insights/chat/__tests__/route-tool-mode.test.ts

@@ -133,6 +133,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget,
   reconcileSpend,
   resolveDailyCap: vi.fn(() => 2_000_000),
+  resolveDailyCapFor: vi.fn(() => 2_000_000),
   resolveCostOwner: vi.fn(() => "user" as const),
 }));
 

src/app/api/insights/chat/__tests__/route-workout-scope.test.ts

@@ -177,6 +177,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn(async () => ({ allowed: true, reserved: 1500 })),
   reconcileSpend: vi.fn(async () => undefined),
   resolveDailyCap: vi.fn(() => 2_000_000),
+  resolveDailyCapFor: vi.fn(() => 2_000_000),
   resolveCostOwner: vi.fn(() => "user" as const),
 }));
 vi.mock("@/lib/ai/coach/refusal", () => ({

src/app/api/labs/ocr/extract/__tests__/route.test.ts

@@ -45,6 +45,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn(),
   reconcileSpend: vi.fn().mockResolvedValue(undefined),
   resolveDailyCap: vi.fn(() => 200_000),
+  resolveDailyCapFor: vi.fn(() => 200_000),
   resolveCostOwner: vi.fn(() => "operator" as const),
 }));
 vi.mock("@/lib/labs/ocr-extract", async () => {

src/app/api/medications/extract/__tests__/route.test.ts

@@ -44,6 +44,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   // returns a distinctive figure so an accidental default-cap regression is
   // visible in the assertion rather than silently passing.
   resolveDailyCap: vi.fn(() => 1_234_567),
+  resolveDailyCapFor: vi.fn(() => 1_234_567),
   resolveCostOwner: vi.fn(() => "user" as const),
 }));