Check if saas before blocking credit insufficiencies (#5929)

fixes #5926

frontend/src/desktop/hooks/useCreditEvents.ts

@@ -1,20 +1,24 @@
 import { useEffect, useRef } from 'react';
 import { useSaaSBilling } from '@app/contexts/SaasBillingContext';
+import { useSaaSMode } from '@app/hooks/useSaaSMode';
 import { CREDIT_EVENTS } from '@app/constants/creditEvents';
 
 /**
  * Desktop hook that monitors credit balance and dispatches events
- * when credits are exhausted or low
+ * when credits are exhausted or low.
+ * Only active in SaaS mode — self-hosted users have no credit balance.
  */
 export function useCreditEvents() {
+  const isSaaSMode = useSaaSMode();
   const { creditBalance } = useSaaSBilling();
   const prevBalanceRef = useRef(creditBalance);
 
   useEffect(() => {
     const prevBalance = prevBalanceRef.current;
 
-    // Dispatch exhausted event when credits reach 0 from positive balance
-    if (creditBalance <= 0 && prevBalance > 0) {
+    // Dispatch exhausted event when credits reach 0 from positive balance.
+    // Skip entirely in self-hosted mode — creditBalance defaults to 0 there.
+    if (isSaaSMode && creditBalance <= 0 && prevBalance > 0) {
       window.dispatchEvent(
         new CustomEvent(CREDIT_EVENTS.EXHAUSTED, {
           detail: { previousBalance: prevBalance, currentBalance: creditBalance },
@@ -24,5 +28,5 @@ export function useCreditEvents() {
 
     // Update ref for next comparison
     prevBalanceRef.current = creditBalance;
-  }, [creditBalance]);
+  }, [isSaaSMode, creditBalance]);
 }