The previous commit let every provider skip the account-key comparison
during restore, but usageCacheContext() fingerprints only the explicit
entries of selectedAccounts. A provider left on the CLI default account
can therefore change identity between sessions without changing that
fingerprint, so an early identified failure could reuse the quota saved
for the previous default account. reconcile() now takes the pinned
account map instead of a blanket flag and skips the comparison only for
a provider whose explicit selection the context covers.

Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>