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* fix(billing): point self-hosted upgrade CTAs at the hosted app Self-hosted Chat bills against the sim.ai account behind COPILOT_API_KEY, but its 402 upgrade card linked to local billing settings that a self-hosted deployment does not have. Point those CTAs at the hosted app instead, and drop the local workspace-role gate that could hide the CTA from the only person able to act on it. Adds /upgrade, an account-scoped entry for callers that cannot know a workspace id. It delegates to /workspace?redirect=upgrade rather than re-deriving workspace resolution, inheriting local recency, stale-session recovery, and the no-workspace creation policy. * fix(billing): keep the upgrade intent through workspace creation A first-time visitor to /upgrade has no workspace to resolve, so /workspace creates one — and then hardcoded a redirect to home, silently dropping the upgrade intent. Route both exits through one destination helper so the created workspace lands on the plan picker with its reason intact.