fix: generate agents with platform LLM grants

agent_builder/skills/agent-quality-review/SKILL.md

@@ -33,11 +33,14 @@ Check these items:
 - The implementation reads `ctx.llm` for both `CALLER_PROVIDED` and
   `PLATFORM` LLM provisioning. `PLATFORM_OR_CALLER_PROVIDED` is acceptable
   only for trusted platform/meta agents and must also read `ctx.llm`.
-- Generated/user agents should default to
-  `llm_provisioning = LLMProvisioning.CALLER_PROVIDED` and
-  `Pricing(..., caller_pays_llm=True, ...)`. If the user explicitly wants
-  platform-paid LLM usage, `LLMProvisioning.PLATFORM` is acceptable only if
-  the code still uses `ctx.llm` and never reads LiteLLM/provider keys directly.
+- Hosted generated/user agents should default to
+  `llm_provisioning = LLMProvisioning.PLATFORM` and
+  `Pricing(..., caller_pays_llm=False, ...)`. Use
+  `LLMProvisioning.CALLER_PROVIDED` only when the user explicitly wants BYOK or
+  caller-paid inference. In both modes, the code must use `ctx.llm` and never
+  read LiteLLM/provider keys directly.
+- Any code path that builds `ChatOpenAI` checks `ctx.llm.api_key` first or
+  returns a clear setup/config result before the model constructor runs.
 - Any use of DeepAgents file tools passes `backend=ctx.workspace_backend()`.
 - Any project skills are seeded into the backend and passed with
   `skills=skill_sources or None`.