fix(economy): improve daily cooldown message and consolidate UserError class

.agent/work/completed/004-branded-discord-embeds.md

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+### Context & Goal
+
+Enhance the user experience by standardizing the look and feel of Discord embeds. Adding consistent branding like a custom footer (with version info) and using the bot's accent color will make the bot feel more professional.
+
+### Dependencies
+
+- None
+
+### Affected Files
+
+- `bot/lib/embeds.ts`: Update standard embed creators.
+- `shared/lib/constants.ts`: Add branding-related constants (colors, footer text).
+
+### Technical Constraints & Strategy
+
+- Implementation: Update `createBaseEmbed` and other helpers to automatically include footers and standard colors.
+- Use info from `package.json` for versioning in the footer.
+- Ensure the changes don't break existing layouts where custom colors might be needed.
+
+### Definition of Done (Binary)
+
+- [x] All standard embeds now include a consistent footer.
+- [x] Embeds use a predefined brand color by default.
+- [x] Version number is automatically pulled for the footer.
+
+### New Test Files
+
+- None.