Heartbeat runs recorded costs via direct SQL inserts into costEvents and
agents.spentMonthlyCents, bypassing costService.createEvent(). This skipped:
- companies.spentMonthlyCents update (company budget never incremented)
- Agent auto-pause when budget exceeded (enforcement gap)
Now calls costService(db).createEvent() which handles all three:
insert cost event, update agent spend, update company spend, and
auto-pause agent when budgetMonthlyCents is exceeded.
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