Allow AI for all plans provided they have autoreload enabled

[tylerlam-warp]

Description

I noticed a bug where we were preventing AI usage if the user had no credits remaining even if they had autoreload enabled on the client.

Left a comment in the code

Testing

Confirmed that a Build plan non-admin can trigger autoreload if they have no credits remaining.

• I have manually tested my changes locally with ./script/run

Screenshots / Videos

Agent Mode

• Warp Agent Mode - This PR was created via Warp's AI Agent Mode

[tylerlam-warp]

I'm not exactly sure why this was enterprise only in the past but I think this was much less of a issue in the past because a admin can buy team scoped credits and the whole team can drain from that, so a non-admin trying to autoreload was less likely? But now that non-admins have user scoped credits, all non-admins will likely need to autoreload at some point

[oz-for-oss]

@tylerlam-warp

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[oz-for-oss]

Overview

This PR broadens has_any_ai_remaining so an enabled auto-reload policy allows AI usage regardless of customer type, and updates the related test/name/comment. I did not find correctness, security, or spec-alignment issues in the changed code.

Concerns

• The PR changes user-facing AI availability behavior, but the Screenshots / Videos section is empty. For this user-facing change, please include screenshots or a screen recording demonstrating a non-enterprise/Build plan with auto-reload enabled successfully triggering AI end to end.

Verdict

Found: 0 critical, 1 important, 0 suggestions

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