docs: hosted billing roadmap — usage credits, V1 storage, beta metering

- Add HOSTED-STORAGE-BILLING-ROADMAP.md (single Motoko V1: vault_id + balanceCents) - Add HOSTED-CREDITS-DESIGN.md (USD-pegged cents, Stripe, shadow metering, grandfather) - Expand IMPLEMENTATION-PLAN Phase 16; link from STATUS-HOSTED, NEXT-SESSION, DEPLOY-HOSTED - HUB-API: reserve 402 + INSUFFICIENT_CREDITS for Phase 16

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