Separate hosted MCP from hosted LLM agent

[JaeLeex]

Summary

• Separate the BYO-agent hosted MCP path from the subscription-gated hosted LLM agent path in code, docs, and tests.
• Rename the public LLM strategy identity from claude_agent to ai_agent and update registry, docs, E2E, and unit tests.
• Harden MCP behavior for real clients by moving stdio startup logging to stderr and adding MCP tool coverage for web-auth wallet status and safe tool calls.

Test plan

• /Users/jae_lee/agent-cli/.venv/bin/python -m pytest tests/test_mcp_money_tools.py tests/test_strategy_registry.py tests/test_strategy_ai_agent.py tests/test_entrypoint.py -q --tb=short
• /Users/jae_lee/agent-cli/.venv/bin/python -m pytest tests/e2e/ -q -m "e2e and not live" --tb=short
• Real MCP stdio client E2E against hl mcp serve
• Live OpenRouter ai_agent E2E using local key file without logging the secret
• Hosted MCP gateway probe: metadata and initialize succeed; unauthenticated tools/list returns missing bearer token

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