fix: refresh payments status CLI output

[SgtPooki]

Refresh payments status CLI output

Changes

• wallet section now labels the owner address and shows FIL/USDFC balances with consistent formatting, while the Filecoin Pay block highlights balance, locked reserve, available funds, and epoch/daily/monthly spend.
• WarmStorage usage displays a bigint-precise stored GiB estimate (documented via JSDoc), plus runway and a rephrased capacity line (“Funding could cover ~X TiB per month”) to clarify what the deposit affords.
• Payment rail stats are no longer printed by default; users can opt in with --include-rails

Fixes #69

Output

New payments status output

╰─ ✔ ❯ npm run build && npx filecoin-pin payments status

> filecoin-pin@0.11.1 build
> tsc

┌  Filecoin Onchain Cloud Payment Status
│
◇  ✓ Configuration loaded
│
│  ━━━ Current Status ━━━
│  Wallet
│    Owner address: 0x2B3d0b827BAded638279C637d7ef21a266994c9E
│    Network: calibration
│    FIL: 149.9995 tFIL
│    USDFC: 192.7380 USDFC
│
│  Filecoin Pay
│    Balance: 1.9999 USDFC
│    Locked: 0.1200 USDFC (30-day reserve)
│    Available: 1.8799 USDFC
│    Spend rate: 0.000001 USDFC/epoch
│    Daily cost: 0.0040 USDFC
│    Monthly cost: 0.1200 USDFC
│
│  WarmStorage Usage
│    Stored: ~49.2 GiB
│    Runway: ~1 year(s) 3 month(s) 14 day(s)
│    Funding could cover ~0.7 TiB per month
│
└  Status check complete

With new --include-rails option

╰─ ✔ ❯ npm run build && npx filecoin-pin payments status --include-rails

> filecoin-pin@0.11.1 build
> tsc

┌  Filecoin Onchain Cloud Payment Status
│
◇  ✓ Configuration loaded
│
│  ━━━ Current Status ━━━
│  Wallet
│    Owner address: 0x2B3d0b827BAded638279C637d7ef21a266994c9E
│    Network: calibration
│    FIL: 149.9995 tFIL
│    USDFC: 192.7380 USDFC
│
│  Filecoin Pay
│    Balance: 1.9999 USDFC
│    Locked: 0.1200 USDFC (30-day reserve)
│    Available: 1.8799 USDFC
│    Spend rate: 0.000001 USDFC/epoch
│    Daily cost: 0.0040 USDFC
│    Monthly cost: 0.1200 USDFC
│    Payment Rails
│      2 active, 0 terminated
│      Pending settlement: 0.0420 USDFC
│      2 rail(s) need settlement
│
│  WarmStorage Usage
│    Stored: ~49.2 GiB
│    Runway: ~1 year(s) 3 month(s) 14 day(s)
│    Funding could cover ~0.7 TiB per month
│
└  Status check complete

[Copilot]

Pull Request Overview

This PR refactors the payment status display command to provide a more structured and detailed view of Filecoin Pay balances, storage usage, and costs. It also adds an optional --include-rails flag to conditionally display payment rail information.

• Adds a new formatStorageGiB function to calculate and display warm storage size from spend rates
• Restructures the status output with separate sections for Wallet, Filecoin Pay, and WarmStorage Usage
• Introduces the --include-rails option to conditionally display payment rail details
• Refactors displayPaymentRailsSummary to support nested indentation and removes daily/monthly cost calculations from rails (moved to main Filecoin Pay section)

Reviewed Changes

Copilot reviewed 2 out of 2 changed files in this pull request and generated 3 comments.

File	Description
src/payments/status.ts	Adds storage size calculation, restructures status display with detailed cost breakdowns, conditionally fetches payment rails data, and refactors the rails summary display function for flexible indentation
src/commands/payments.ts	Adds the --include-rails option to the status command to allow users to opt-in to viewing payment rail details

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[BigLep]

Output generally looks good to me.

Only area want to fix is around payment rail rates so we get consistency:

We currently have:

│    Spend rate: 0.000001 USDFC/epoch
│    Daily cost: 0.0040 USDFC
│    Monthly cost: 0.1200 USDFC

All 3 of these are rates, so I think can be made consistent.

Option 1:

│    Epoch cost: 0.000001 USDFC
│    Daily cost: 0.0040 USDFC
│    Monthly cost: 0.1200 USDFC

Option 2:

│    Spend rate: 0.000001 USDFC/epoch | 0.0040 USDFC/day | 0.1200 USDFC/month