fix(auth): billing backoff + cooldown UX

src/config/types.ts

@@ -1210,6 +1210,19 @@ export type AuthProfileConfig = {
 export type AuthConfig = {
   profiles?: Record<string, AuthProfileConfig>;
   order?: Record<string, string[]>;
+  cooldowns?: {
+    /** Default billing backoff (hours). Default: 5. */
+    billingBackoffHours?: number;
+    /** Optional per-provider billing backoff (hours). */
+    billingBackoffHoursByProvider?: Record<string, number>;
+    /** Billing backoff cap (hours). Default: 24. */
+    billingMaxHours?: number;
+    /**
+     * Failure window for backoff counters (hours). If no failures occur within
+     * this window, counters reset. Default: 24.
+     */
+    failureWindowHours?: number;
+  };
 };
 
 export type AgentModelEntryConfig = {