## Why
During onboarding we prompt for AI suggestions only because it's a
**paid feature** — enabling it forces the user to pick a plan at the end
of onboarding. A user who has **already connected a bank** is committed
to a paid plan regardless, so the prompt gives them nothing new. For
them we should just turn AI on.
## What
- **Connected bank → activate AI directly.** The consent prompt is
skipped and consent is recorded automatically (reuses the existing
`/ai/consent` endpoint, so the categorization backfill still runs).
`setBusy` batches with the state update so the consent screen never
flashes.
- **No bank → unchanged opt-in.** Free users still explicitly accept.
The notice is reworded to make the paid framing clear: *"AI suggestions
are a paid feature. Enable them and you'll choose a plan at the end of
the onboarding."* (translated in `es.json`).
- No backend change needed:
`RuleSuggestionController::requiresUpgrade()` already treats
bank-connected users as not needing an upgrade, and
`SubscriptionController` already gates the free plan on `!hasBank &&
!hasConsent`.
## Tests
Browser tests in `OnboardingFlowTest`:
- Connected bank → consent prompt skipped and `hasActiveAiConsent()`
becomes true.
- No bank → prompt (with the paid notice) shown; consent recorded only
after accepting.
- `/subscribe` forces a plan (no "Continue for free") when a bank is
connected or AI consent is active.
Vitest specs for `StepAiSuggestions` updated (new prop + reworded
notice) plus a new case asserting bank-connected users auto-activate.
All green: 5/5 browser tests (24 assertions), 6/6 vitest.
10442c1e32