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Budget Guard Per Session Spending Limit Enforcer #2

Description

@katg999

A new skill that enforces a user-defined budget across Bitrefill purchases in an agent session. It tracks cumulative spend, blocks purchases that would exceed the limit, and reports remaining balance on request. Builds on the existing safeguards.md policy rather than replacing it.
Basically a skill so your agent doesn't accidentally buy gift cards for the whole office. Happy to open a PR if this direction looks good.
If there's a more pressing gap I should tackle first,point me there.

Just a little bored at work, figured if I'm going to doom-scroll, I might as well ship something on agentic commerce instead.

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