refactor: move channel model restriction from handler to scheduling phase

Move the model pricing restriction check from 8 handler entry points
to the account scheduling phase (SelectAccountForModelWithExclusions /
SelectAccountWithLoadAwareness), aligning restriction with billing:

- requested: check original request model against pricing list
- channel_mapped: check channel-mapped model against pricing list
- upstream: per-account check using account-mapped model

Handler layer now only resolves channel mapping (no restriction).
Scheduling layer performs pre-check for requested/channel_mapped,
and per-account filtering for upstream billing source.

backend/internal/handler/gateway_handler_responses.go

@@ -80,7 +80,7 @@ func (h *GatewayHandler) Responses(c *gin.Context) {
 	setOpsRequestContext(c, reqModel, reqStream, body)
 	setOpsEndpointContext(c, "", int16(service.RequestTypeFromLegacy(reqStream, false)))
 
-	// 解析渠道级模型映射
+	// 解析渠道级模型映射 + 限制检查
 	channelMapping, _ := h.gatewayService.ResolveChannelMappingAndRestrict(c.Request.Context(), apiKey.GroupID, reqModel)
 
 	// Claude Code only restriction: