Pace provider traffic and identify genuine foreground bank requests

internal/app/import.go

@@ -299,6 +299,10 @@ func (a *App) Balances(ctx context.Context, id string) ([]banking.Balance, error
 // Only typed, locally generated errors are safe to expose; provider errors may
 // wrap private response data even when their underlying cause is recognizable.
 func bankFailure(err error, fallback string) error {
+	var background *banking.BackgroundQuotaError
+	if errors.As(err, &background) {
+		return fmt.Errorf("Enable Banking: %w", background)
+	}
 	var limited *ratelimit.RateLimitError
 	if errors.As(err, &limited) {
 		return fmt.Errorf("Enable Banking: %w", limited)