fix(api): fix API Key rate limiting and terminal user quota checks

- Revert API Key rate limit handling to throw an error instead of auto-capping when exceeding the plan limit.
- Optimize terminal user quota check logic to validate only during new user creation, avoiding redundant checks.
- Add method to query terminal users by `workspace_id` and `other_id`.

api/app/controllers/api_key_controller.py

@@ -167,6 +167,8 @@ def update_api_key(
 
         return success(data=api_key_schema.ApiKey.model_validate(api_key), msg="API Key 更新成功")
 
+    except BusinessException:
+        raise
     except Exception as e:
         logger.error(f"未知错误: {str(e)}", extra={
             "api_key_id": str(api_key_id),