OpenCode Blacked reports insufficient balance despite available subscription usage #28394

Description

I have an OpenCode Blacked subscription. After going over a limit and ending up with a negative pay-as-you-go balance, I kept getting an insufficient balance error even though I still appeared to have available usage from my Blacked plan.

Expected behavior: if Black subscription usage is available, Zen requests should use the subscription allowance and should not be blocked by a negative pay-as-you-go balance.

Actual behavior: the request is rejected with an insufficient balance error.

I'd be happy to submit a PR myself if y'all agree with the expected behavior I laid out.

Plugins

None

OpenCode version

0.0.0-beta-202605191407 (0.0.0-beta-202605191407)

Steps to reproduce

1. Use a workspace with an active OpenCode Black subscription.
2. Have a negative pay-as-you-go balance.
3. Confirm the Black subscription still shows available usage.
4. Send a request to a paid Zen model.
5. Observe an insufficient balance error instead of using the available Black subscription usage.

Screenshot and/or share link

Operating System

macOS Tahoe 26.3

Terminal

OpenCode Desktop