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budget: unpriced usage fails closed #2

Description

@shitianfang

Token usage whose USD price is unknown must count as a budget violation — never a silent
undercount that lets spend bypass the cap. Today an unpriced model/usage event would slip
past the step-granular cutoff.

Evidence: omnigent explicitly plugs "unpriced spend bypasses the cap" as a hole
(policies/builtins/cost.py).

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