Misleading 'Fast mode disabled by your organization' message on personal subscription

Description

On a personal subscription plan (no organization account), the debug log is filled with hundreds of lines saying:

Fast mode unavailable: Fast mode has been disabled by your organization

This is misleading — there is no organization. The message implies an org admin has disabled the feature, when the actual reason is likely that fast mode requires extra usage credits or a specific plan tier.

Expected Behavior

For personal subscription users, the message should reflect the actual reason, e.g.:

• "Fast mode requires extra usage credits to be enabled"
• "Fast mode is not available on your current plan"

Environment

• Claude Code version: 2.1.77
• Platform: macOS (Darwin 24.6.0)
• Auth: OAuth token, firstParty API provider
• Plan: Personal subscription (not organization/team)
• CLAUDE_CODE_DISABLE_FAST_MODE is not set
• No managed settings file exists at /Library/Application Support/ClaudeCode/managed-settings.json

Debug Log

The message appears hundreds of times per session:

2026-03-17T07:06:14.017Z [DEBUG] Fast mode unavailable: Fast mode has been disabled by your organization
2026-03-17T07:06:14.017Z [DEBUG] Fast mode unavailable: Fast mode has been disabled by your organization
2026-03-17T07:06:14.021Z [DEBUG] Fast mode unavailable: Fast mode has been disabled by your organization
...