fix(billing): gate investigations on a real allowance, not balance presence

[izadoesdev]

Promote the investigation access gate fix from staging.

After the Autumn config push every plan carries an investigation_runs item, so checking that the balance key exists let free, hobby, and pro organizations enable investigations that then failed in the worker. Access now requires an unlimited balance, overage terms, or a positive grant. The same rule drives the dashboard access and fixed-price flags, and the analysis reply gate.

Surfaced by the review of #789. AI-assisted implementation and review under the maintainer workflow.

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Summary by cubic

Fixes investigation access gating so free, hobby, and pro orgs no longer see investigations enabled when they'd fail in the worker. Access now requires an unlimited balance, overage terms, or a positive grant, instead of just checking the investigation_runs balance key, which all plans have after the Autumn config push. The same rule now consistently drives the dashboard access, fixed-price flag, and analysis reply gate.

^{Written for commit bc76ef1. Summary will update on new commits.}

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Project	Deployment	Actions	Updated
dashboard (staging)	Ready	Preview	Sep 18, 2026 1:53pm UTC
databuddy-status	Ready	Preview	Sep 18, 2026 1:53pm UTC
documentation (staging)	Ready	Preview	Sep 18, 2026 1:53pm UTC

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[greptile-apps]

Confidence Score: 5/5

The PR appears safe to merge, with the shared entitlement predicate consistently applied and no actionable regression identified.

Summary

This PR centralizes the hosted investigation entitlement rule and applies it consistently across dashboard access, investigation generation, and analysis replies.

• Adds hasInvestigationAllowance, accepting unlimited balances, overage terms, or a positive plan grant.
• Replaces feature-key-presence checks in both RPC investigation gates.
• Uses the shared rule for dashboard access and fixed-price state while retaining the current-balance usability check.

Diagram

%%{init: {'theme': 'neutral'}}%%
flowchart LR
    A[Autumn investigation balance] --> B[hasInvestigationAllowance]
    B --> C[Dashboard access and fixed-price state]
    B --> D[Generation RPC access gate]
    B --> E[Analysis reply access gate]
    C --> F[summarizeInvestigationBalance]
    F --> G[Current dashboard canUse state]
    D --> H[Investigation worker]
    E --> H
    H --> I[Authoritative required-balance check]

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