A signed-in, paid Nous account that the portal had not enabled for
connectors got `manage_connections` in its schema and a raw "tool gateway
request failed with status 404" back from every call. The gateway answers
404 for any such account by design, and Hermes gated the tool on paid access
or a free tool pool, which says nothing about that.
The gate now reads the portal's own answer: a `managed_tools` token claim,
plus the existing free-tier leg. The gate is also the tool's check_fn, so a
session without the claim never sees the tool and the model has no 404 to
narrate. A token without the claim reads as not enabled.