Validate (free) -> reserve the estimate (402 when short) -> snapshot

the job onto a pending Video -> queue the lifecycle; returns 202 with<br/>the video id and redirect. Nothing spends on a refusal. The template's<br/>plan floor is checked first (403 naming the floor): the paywall sits at<br/>Generate, so this is where a plan below the floor meets it.<br/><br/>Trial gate (2026-09-30): this is the SECOND render entry point (the<br/>Studio's Animate, the split window's, the copy flow's), so it carries<br/>the same require_paid_creation as the UGC finalize. Until the wall<br/>moved to the last click only the SPA kept a trialing user away from<br/>here; the product rule now lives on the route, where a hand-made<br/>request meets it too.