Usage is money per currency, no credits; login asks for memory

The login asks the server for the memory scope in place of library (the
server accepts both; library is no longer offered for new tokens).

/v1/usage is read in the server's 2.0 shape: no plan, balance, credit
costs or windows. The status bar shows what the month has cost so far and
/usage the month's tokens and cost and this device's tokens, each
currency's amount on its own (month.cost_by_currency, else cost_money in
currency). The credit wording is gone.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

src/config/load.ts

@@ -403,7 +403,7 @@ export function loadConfig(opts: { projectConfigDir?: string; trusted?: boolean
     config = { ...config, search: sr }
   }
 
-  // Local mode: an instance serves models, chat, speech and the balance, and nothing that is kept
+  // Local mode: an instance serves models, chat, speech and the usage, and nothing that is kept
   // or shown there — no search or fetch through it, no embeddings, no library, no personalization
   // (the local keys apply) — and the whole hardline stays.
   if (isLocal()) config = localOnly(config, connections, warnings)