UX: arkcli doesn't suggest switching profile when plan quota exceeded

[huandzh]

Problem

When the current default driving plan (e.g., coding-plan) exceeds its usage quota, arkcli +chat and other LLM-driving features fail with a raw API error. The CLI does not inform the user about alternative profiles that may still be available.

Repro

1. Use a profile whose plan has exceeded quota (e.g., coding-plan_cn-beijing_personal)
2. Run arkcli +chat "any message"
3. See a hard error:

arkruntime.create_responses: arkruntime: API error: You have exceeded the 5-hour usage quota. It will reset at 2026-06-27 12:13:19 +0800 CST. We recommend upgrading your plan for more quota, or waiting for the reset.

Expected behavior

When a quota-exhausted API error is returned, arkcli should:

1. Detect the quota-exceeded error from the API response.
2. Check if the user has other profiles configured (e.g., platform or agent-plan) that likely have separate quotas.
3. Display a clear actionable suggestion, for example:

Your current plan "Coding Plan Pro" has exceeded its 5-hour quota (resets at 2026-06-27 12:13).
You have other profiles available that may still have quota:

• Agent Plan Medium (agent-plan_cn-beijing_personal) — expires 2026-07-24
• 控制台按量 (platform_cn-beijing_accountwide) — pay-as-you-go

Switch with: arkcli profile use <profile-name>
Or set a different default: arkcli config set default_profile <profile-name>

Why it matters

Without this, users hit a dead end, don't know why it failed, and don't realize they have alternative profiles with separate quota — effectively making the CLI unusable when the primary plan is exhausted, even though working alternatives exist.

Relevant context

arkcli profile list

lists 3 profiles: coding-plan (default, exhausted), agent-plan, platform (pay-as-you-go). The latter two likely have separate, unused quota.

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