Enhance billing and subscription management: Added payment method checks in ProtectedRoute, improved error handling in billing components, and optimized API calls to reduce throttling. Updated user account handling in various components to ensure accurate plan and subscription data display.

frontend/src/components/dashboard/CreditBalanceWidget.tsx

@@ -21,7 +21,9 @@ export default function CreditBalanceWidget() {
   if (error && !balance) {
     return (
       <ComponentCard title="Credit Balance" desc="Balance unavailable">
-        <div className="text-sm text-red-600 dark:text-red-400 mb-3">{error}</div>
+        <div className="text-sm text-red-600 dark:text-red-400 mb-3">
+          Balance unavailable. Please retry.
+        </div>
         <Button variant="outline" size="sm" onClick={loadBalance}>
           Retry
         </Button>