[Bug] Extra usage failover not triggering on session limit with available balance

Bug Description
Bug Summary: Extra usage failover not working - hard-blocked despite $15.71 available balance and proper configuration
Technical Details:
Plan: Pro with Extra Usage and Auto-Reload enabled
Issue: Hit session limit, got hard-blocked on both claude.ai and Claude Code
Expected: Should see "5-hour limit resets [time] - continuing with extra usage"
Actual: Complete lockout with no fallover to extra usage
Available balance: $15.71 at time of lockout
Steps to Reproduce:
Use Claude until session limit reached
System fails to transition to extra usage
Hard block occurs on both platforms
Reference: Similar to closed GitHub issue #17694
This gives engineering the specific technical details they need to investigate the extra usage failover mechanism

Environment Info

• Platform: darwin
• Terminal: iTerm.app
• Version: 2.1.101
• Feedback ID: 8b5cb338-54db-4b78-ab75-65b3237b6999

Errors

[{"error":"Error: 429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your account's rate limit. Please try again later.\"},\"request_id\":\"req_011CZwnE6raxFixQZA5RV4oz\"}\n    at generate (/$bunfs/root/src/entrypoints/cli.js:11:53652)\n    at makeRequest (/$bunfs/root/src/entrypoints/cli.js:50:4943)\n    at processTicksAndRejections (native:7:39)","timestamp":"2026-04-11T09:53:49.378Z"},{"error":"Error: 429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your account's rate limit. Please try again later.\"},\"request_id\":\"req_011CZwnE6fRTVcTejDDdNsBm\"}\n    at generate (/$bunfs/root/src/entrypoints/cli.js:11:53652)\n    at makeRequest (/$bunfs/root/src/entrypoints/cli.js:50:4943)\n    at processTicksAndRejections (native:7:39)","timestamp":"2026-04-11T09:53:49.405Z"},{"error":"SyntaxError: JSON Parse error: Unexpected identifier \"You\"\n    at <parse> (:0)\n    at parse (unknown)\n    at mb8 (/$bunfs/root/src/entrypoints/cli.js:164:10030)\n    at O (/$bunfs/root/src/entrypoints/cli.js:128:19312)\n    at <anonymous> (/$bunfs/root/src/entrypoints/cli.js:166:1186)\n    at j5H (/$bunfs/root/src/entrypoints/cli.js:6107:466)\n    at processTicksAndRejections (native:7:39)","timestamp":"2026-04-11T09:53:49.406Z"},{"error":"MaxFileReadTokenExceededError: File content (18228 tokens) exceeds maximum allowed tokens (10000). Use offset and limit parameters to read specific portions of the file, or search for specific content instead of reading the whole file.\n    at ZY7 (/$bunfs/root/src/entrypoints/cli.js:4449:12671)\n    at processTicksAndRejections (native:7:39)","timestamp":"2026-04-11T11:37:07.425Z"},{"error":"Error: Request was aborted.\n    at pE_ (/$bunfs/root/src/entrypoints/cli.js:1268:12089)\n    at next (native:1:11)\n    at sm7 (/$bunfs/root/src/entrypoints/cli.js:7918:9109)\n    at next (native:1:11)\n    at Hp7 (/$bunfs/root/src/entrypoints/cli.js:7923:11439)\n    at processTicksAndRejections (native:7:39)","timestamp":"2026-04-11T13:07:14.913Z"},{"error":"Error: Request was aborted.\n    at pE_ (/$bunfs/root/src/entrypoints/cli.js:1268:12089)\n    at next (native:1:11)\n    at sm7 (/$bunfs/root/src/entrypoints/cli.js:7918:9109)\n    at next (native:1:11)\n    at Hp7 (/$bunfs/root/src/entrypoints/cli.js:7923:11439)\n    at processTicksAndRejections (native:7:39)","timestamp":"2026-04-12T11:43:31.127Z"},{"error":"Error: Request was aborted.\n    at pE_ (/$bunfs/root/src/entrypoints/cli.js:1268:12089)\n    at next (native:1:11)\n    at sm7 (/$bunfs/root/src/entrypoints/cli.js:7918:9109)\n    at next (native:1:11)\n    at Hp7 (/$bunfs/root/src/entrypoints/cli.js:7923:11439)\n    at processTicksAndRejections (native:7:39)","timestamp":"2026-04-12T21:58:31.159Z"},{"error":"Error: Request was aborted.\n    at makeRequest (/$bunfs/root/src/entrypoints/cli.js:50:3448)\n    at processTicksAndRejections (native:7:39)","timestamp":"2026-04-12T22:44:03.693Z"}]