[ENHANCEMENT] Stop retrying if error message mentions "no credits" or "billing"

[Sarke]

Problem (one or two sentences)

Usually it's a rate limit issue, and waiting helps, but if it's a billing or credits issue waiting does not help an repeating is futile.

Context (who is affected and when)

When credits run out you get repeated API errors like this:

Date/time: 2026-08-12T19:57:56.095Z
Extension version: 3.76.0
Provider: openai-native
Model: gpt-5.6-luna

Error processing response stream: Responses API error: You have no credits remaining. Add credits to continue using the API at https://platform.openai.com/settings/organization/billing/.

Desired behavior (conceptual, not technical)

Stop retrying in mentioned scenario.

Constraints / preferences (optional)

Just a small notice saying "Zoo has stopped because of repeated billing/credits errors".

Request checklist

• I've searched existing Issues and Discussions for duplicates
• This describes a specific problem with clear context and impact

Zoo Code Task Links (optional)

No response

Acceptance criteria (optional)

No response

Proposed approach (optional)

No response

Trade-offs / risks (optional)

No response