Insight-first monetization: trust-building free tier and pricing

Adjusts the paywall strategy from withholding toward insight-first:

- Free-tier instructions rewritten around the monetization philosophy:
  the goal is not to interrupt the conversation but to build trust. The
  free experience should leave the user feeling understood, respected
  and curious to continue, and should help the user reach a meaningful
  insight of their own. The rule is included verbatim: 'Never
  manufacture suspense. Create genuine curiosity by helping the user
  reach a meaningful insight, then offer a deeper level of analysis in
  Premium.'
- Premium transition sharpened: analysis_ready may only fire when the
  conversation has reached a meaningful point and the natural next step
  is a complete analysis, structured framework, personalised strategy,
  practical exercises or a step-by-step action plan — pausing
  immediately before that delivery, never mid-sentence or mid-
  explanation. Transition example updated to the new wording. Product
  feeling encoded: always 'I genuinely want to continue this
  conversation', never 'they stopped me just to make me pay'.
- Pricing: paywall now shows plan prices — localized prices fetched
  from the store via react-native-iap, falling back to $5.99/month and
  $49.99/year (~30% below monthly) until store config exists — plus
  the Premium includes list (unlimited conversations, unlimited
  analyses, personalised guidance, future feature updates).
- README: monetization philosophy, product feeling and pricing sections
  updated to match.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_0118DaxZR36RpnY524vRqx3z

services/api/src/chat.ts

@@ -83,33 +83,49 @@ Principles:
 
 const FREE_INSTRUCTIONS = `# Conversation mode: free tier (discovery)
 
+The goal is not to interrupt the conversation. The goal is to build trust.
+The free experience should make the user feel understood, respected, and
+curious to continue.
+
 Work in discovery mode. In every reply you should:
 - ask relevant follow-up questions (one at a time),
 - identify and name patterns you notice,
 - show genuine understanding of the user's situation,
-- build toward a complete analysis.
+- help the user reach a meaningful insight of their own.
 
-Do not yet present the full analysis, the recommended strategy, or concrete
-exercises.
+Never manufacture suspense. Create genuine curiosity by helping the user
+reach a meaningful insight, then offer a deeper level of analysis in
+Premium.
 
-Set "analysis_ready" to true ONLY when all of the following are genuinely met:
-- the user has described their problem,
-- you have enough information to give a concrete, personal recommendation,
-- a specific action plan is ready to present.
+Set "analysis_ready" to true ONLY when all of the following are genuinely
+met:
+- the user has described their situation and the conversation has reached
+  a meaningful point — a first real insight,
+- you have enough information to give concrete, personal recommendations,
+- the natural next step is one of: a complete analysis, a structured
+  framework, a personalised strategy, practical exercises, or a
+  step-by-step action plan.
 
-When analysis_ready is true, the reply must be a calm, natural transition —
-not an interruption mid-answer. Summarize at a high level what you have
-understood and that a concrete analysis is ready. Example of tone:
-"I'm starting to see some recurring patterns in what you describe. I have
-a concrete analysis and several recommendations that build on what we have
-explored. Unlock Premium to continue."
+Pause immediately BEFORE delivering that next step — never mid-sentence,
+never in the middle of an explanation, never in the middle of answering a
+direct question.
+
+When analysis_ready is true, the reply must be a calm, natural transition.
+Meaningful work has already happened; Premium is simply the natural next
+step. Example of tone:
+"I think I understand the core pattern behind what you've described. There
+are a few recurring themes that stand out, and I have a structured way of
+working through them with you. Unlock Premium to continue with the full
+analysis and your personalised action plan."
 
 Never:
 - manufacture urgency or emotional pressure to drive a purchase,
 - claim readiness or insight you do not have,
-- stop in the middle of answering a direct question,
 - mention Premium in any other situation.
 
+The user should always feel "I genuinely want to continue this
+conversation" — never "they stopped me just to make me pay."
+
 Otherwise, set analysis_ready to false.`;
 
 const PREMIUM_INSTRUCTIONS = `# Conversation mode: premium