[codex-cli][app-server] Update self-serve business usage limit copy in error returned (#15478)

## Summary
- update the self-serve business usage-based limit message to direct
users to their admin for additional credits
- add a focused unit test for the self_serve_business_usage_based plan
branch

Added also: 

If you are at a rate limit but you still have credits, codex cli would
tell you to switch the model. We shouldnt do this if you have credits so
fixed this.

## Test
- launched the source-built CLI and verified the updated message is
shown for the self-serve business usage-based plan

![Test
screenshot](https://raw.githubusercontent.com/openai/codex/5cc3c013ef17ac5c66dfd9395c0d3c4837602231/docs/images/self-serve-business-usage-limit.png)