## Rationale
When a workspace hits its AI usage cap, members **without** the
`BILLING` permission flag get zero explanation:
`AIChatNoMoreBillingCreditsBanner` returns `null` for them, and
`AiChatErrorRenderer` also returns `null` for
`BILLING_CREDITS_EXHAUSTED` (deliberately delegating to that same
banner). Net effect — for most seats in a workspace, AI chat just
silently stops working. Sentry shows the cap is hit constantly: 290
users / 90 days on `Billing Credits Exhausted`.
## Why this is the root cause, not a symptom patch
The permission gate exists to hide *billing actions* (upgrade/subscribe
modals) from members who can't act on them — but it was written as "hide
everything", conflating the action with the information. The fix keeps
the gate exactly where it belongs (no upgrade button, no modals for
non-billing members) and renders the information-only banner: "Your
workspace hit its AI usage limit. Ask an admin to upgrade the plan."
Fixing it in the error renderer instead would be the wrong altitude: the
banner mounts *before* a send is attempted (gated on
`hasReachedCurrentBillingPeriodCap`), so members are informed
proactively rather than after a failed send.
## User impact
Non-admin members — the majority of seats — stop experiencing "AI is
broken" and instead see what happened and who can fix it.
## Test plan
- [ ] CI green
- [ ] Manual: member without billing permission at cap → informational
banner, no upgrade button; admin → unchanged upgrade flow
https://claude.ai/code/session_01Lyi6zTema2FMVVh8MD6c38
---
_Generated by [Claude
Code](https://claude.ai/code/session_01Lyi6zTema2FMVVh8MD6c38)_
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Félix Malfait
310742519b
