fix: route explicit 402 wrappers through classifier

src/agents/pi-embedded-helpers.isbillingerrormessage.test.ts

@@ -941,6 +941,9 @@ describe("classifyFailoverReasonFromHttpStatus – 402 temporary limits", () =>
 
   it("keeps explicit 402 rate-limit messages in the rate_limit lane", () => {
     const transientMessage = "rate limit exceeded";
+    expect(classifyFailoverReasonFromHttpStatus(402, `402: ${transientMessage}`)).toBe(
+      "rate_limit",
+    );
     expect(classifyFailoverReason(`HTTP 402 Payment Required: ${transientMessage}`)).toBe(
       "rate_limit",
     );

src/agents/pi-embedded-helpers/errors.ts

@@ -609,7 +609,7 @@ function classifyFailoverClassificationFromHttpStatus(
         return toReasonClassification(reasonFrom402Text);
       }
       return typeof explicitStatus === "number"
-        ? toReasonClassification("billing")
+        ? toReasonClassification(classify402Message(message))
         : messageClassification;
     }
     return toReasonClassification(classify402Message(message));