fix(tracker): close alpha accounting review gaps

Address post-review blockers from the alpha hardening diff: charge non-stream completions that omit usage, include prompt tokens in max_charge_per_request enforcement, and wire the CLI to a persisted local registry contract by default.

Verification: .venv/bin/python -m compileall -q packages tests; focused billing/CLI checks passed; full pytest: 314 passed, 3 skipped, 1 env failure from existing meshnet-node on port 7000.

packages/tracker/meshnet_tracker/server.py

@@ -1293,15 +1293,43 @@ def _request_total_token_upper_bound(body: dict) -> int | None:
 
 def _billable_non_stream_tokens(payload: dict, request_body: dict) -> int:
     reported = _usage_total_tokens(payload)
-    if reported is None:
-        return 0
-    billable = max(0, reported)
     upper_bound = _request_total_token_upper_bound(request_body)
+    if reported is None:
+        completion_estimate = _observed_non_stream_completion_tokens(payload)
+        if completion_estimate > 0:
+            billable = completion_estimate + (_estimate_prompt_tokens(request_body) or 0)
+        elif upper_bound is not None:
+            billable = upper_bound
+        else:
+            return 0
+        return min(billable, upper_bound) if upper_bound is not None else billable
+    billable = max(0, reported)
     if upper_bound is not None:
         billable = min(billable, upper_bound)
     return billable
 
 
+def _observed_non_stream_completion_tokens(payload: dict) -> int:
+    choices = payload.get("choices")
+    if not isinstance(choices, list):
+        return 0
+    observed = 0
+    for choice in choices:
+        if not isinstance(choice, dict):
+            continue
+        message = choice.get("message")
+        estimated: int | None = None
+        if isinstance(message, dict):
+            estimated = _estimate_text_tokens(message.get("content"))
+        if estimated is None:
+            estimated = _estimate_text_tokens(choice.get("text"))
+        if estimated is not None:
+            observed += estimated
+        elif choice:
+            observed += 1
+    return observed
+
+
 def _observed_stream_tokens(payload: dict) -> int:
     choices = payload.get("choices")
     if not isinstance(choices, list):
@@ -1881,7 +1909,8 @@ class _TrackerHandler(http.server.BaseHTTPRequestHandler):
                         "code": "missing_token_limit",
                     }})
                     return
-                estimated_charge = server.billing.price_for(model) * token_limit / 1000.0
+                total_token_bound = _request_total_token_upper_bound(body) or token_limit
+                estimated_charge = server.billing.price_for(model) * total_token_bound / 1000.0
                 if estimated_charge > server.max_charge_per_request:
                     self._send_json(402, {"error": {
                         "message": (