Returns how many Simplified credits the current workspace has left. Credits are the shared currency spent by AI actions — image generation, video generation, and other AI tools all draw down the same balance.

Call this tool when:

• the user asks about their credits / balance / quota / "how much is left";
• before an AI generation, to confirm there's enough balance and avoid a mid-run failure;
• after a generation fails with an out-of-credits / quota error, to report the remaining balance back to the user.

No inputs. The response is a credits object:

• credits.remaining — credits still available to spend
• credits.used — credits consumed in the current period
• credits.total — total credits allotted for the period
• credits.trial — extra trial allowance (only present when on trial)