The floating button, the drawer, the launch pills, the nav entry and the
Coach pages read the coach capability from /api/auth/me instead of
combining the operator switch with Hide Coach on their own. A missing
provider or consent now hides the Coach too, instead of opening one that
can only answer with an error.
Stored conversations stay reachable: while the Coach is unavailable the
conversation list turns read-only, opens a transcript in place and keeps
delete. Refusals before the stream opens are read by meta.errorCode and
each code has its own copy.