Hardens the credit-usage pipeline so the platform is the single source of truth for every balance change, and refunds an account affected by a stale-cache rollback.
/wp-json/nitroshock/v1/report-usage endpoint now always recomputes the new balance from the current ledger and ignores any client-supplied new_balance. Companion plugins can no longer overwrite an account's balance, even accidentally from a stale local cache.