🤖 fix: disable gateway when onboarding credits are depleted

[ibetitsmike]

Summary

Auto-disable Mux Gateway routing and show a warning when a user logs in during onboarding with a $0 balance, preventing a broken experience with an unusable provider.

Closes #1964

Background

The onboarding wizard already displays the gateway balance after login, but there was no handling for depleted credits — the gateway stayed enabled even at $0, leading users to a dead end.

Implementation

• refresh() in useMuxGatewayAccountStatus now returns Promise<MuxGatewayAccountStatus | null> so callers can act on the result immediately.
• Both the desktop and browser/server login flows in OnboardingWizardSplash now await the balance check after login. When credits are $0: default gateway models are not applied, and gateway.toggleEnabled() disables routing.
• A warning banner appears in the logged-in account section when balance is zero, with a link to add credits.
• Missing account status (null) is treated as permissive — gateway isn't disabled when the balance lookup fails.

---

Generated with mux • Model: anthropic:claude-opus-4-6 • Thinking: xhigh • Cost: $2.91

[ibetitsmike]

@codex review

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[ibetitsmike]

@codex review

Addressed feedback: added a 5-second timeout to the balance refresh calls in both desktop and browser flows. If the gateway endpoint stalls, the timeout resolves to null (permissive), so default models are applied as before — no regression.

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[ibetitsmike]

@codex review

Addressed slow-response bypass: the refresh promise is now stored and, when the timeout wins the race, a .then() on the original promise still disables gateway if the late response returns $0 balance. This handles high-latency connections without blocking onboarding defaults.

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[ibetitsmike]

@codex review

Added login-attempt guard (muxGatewayLoginAttemptRef.current !== attempt) to both late balance callback .then() handlers, preventing stale responses from earlier login attempts from disabling gateway on newer logins.

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Codex Review: Didn't find any major issues. More of your lovely PRs please.

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