Exhausted provider budgets are retried: 402 and structured quota codes are classified from message text only

[CannonRS]

Description

SessionRetry.retryable() decides whether a provider error is worth another attempt from prose:
the message and the response body are matched against RETRYABLE_MESSAGE_PATTERNS, plus two
zen-specific markers (FreeUsageLimitError, GoUsageLimitError).

A provider can report an exhausted budget without any of that — no recognisable phrase, and no long
retry-after either. Those responses are classified as ordinary retryable errors, so the session
spends all five attempts on a limit that resets on a billing or daily window, and the real cause
never surfaces.

Concrete shapes this misses today:

• HTTP 402 — payment required. Nothing about the status is momentary.
• OpenAI billing codes in the body: insufficient_quota, billing_hard_limit_reached,
  billing_not_active, account_deactivated. These arrive as error.type / error.code on a 429
  whose message ("You exceeded your current quota") matches the retryable patterns.
• Google QuotaFailure with a per-day quota id, e.g.
  GenerateRequestsPerDayPerProjectPerModel, on a 429 whose message is "Resource has been
  exhausted" — which the existing exhausted branch treats as provider overload.

These are documented, stable identifiers, unlike the message text, which varies per provider and
locale.

Related but different: #39790 covers the zen fixed-window quotas and the long-retry-after case,
which #47339 and #47641 address. Neither reaches a structural budget signal that comes with a short
or absent retry-after and no zen marker.

Plugins

None

OpenCode version

dev (ea2d59d)

Steps to reproduce

1. Use an OpenAI-compatible provider whose account has no remaining balance.
2. Send a prompt.
3. The provider answers 429 with insufficient_quota (or 402), the message matches the retryable
   patterns, and the session retries five times instead of reporting the exhausted budget.

Screenshot and/or share link

N/A

Operating System

Windows 11 (26200)