loadAiCapabilityInputs reads the switches, module access, provider
presence and active consent kinds for one record in parallel, memoised
per request, and fails closed to check_failed. requireAiCapability,
getAiCapability and aiCapabilityForJob resolve for the request's
record, masked to the active grant like moduleAccess, or for a job's
record under the worker's authority.
apiHandler renders AiUnavailableError as one envelope with errorCode,
capability, reason and module. Existing codes stay: the operator
family keeps assistant.disabled.<switch>, modules keep module.disabled,
consent keeps consent.ai.required. New codes are ai.record.notPermitted,
ai.provider.none and ai.unavailable.