fix(auth): billing backoff + cooldown UX

docs/start/faq.md

@@ -422,6 +422,8 @@ Clawdbot uses provider‑prefixed IDs like:
 
 Yes. Config supports optional metadata for profiles and an ordering per provider (`auth.order.<provider>`). This does **not** store secrets; it maps IDs to provider/mode and sets rotation order.
 
+Clawdbot may temporarily skip a profile if it’s in a short **cooldown** (rate limits/timeouts/auth failures) or a longer **disabled** state (billing/insufficient credits). To inspect this, run `clawdbot models status --json` and check `auth.unusableProfiles`. Tuning: `auth.cooldowns.billingBackoffHours*`.
+
 You can also set a **per-agent** order override (stored in that agent’s `auth-profiles.json`) via the CLI:
 
 ```bash