feat: ai-rate-limiting (per-instance quotas using rules inside for each consumer)

### Description

This topic is related to my post on the discussions section : https://github.com/apache/apisix/discussions/13225

Start by reading the linked discussion at apache/apisix/discussions/13225, since the issue contains no implementation files or tests. Clarify the per-instance quota and per-consumer rule requirements there before locating the relevant APISIX rate-limiting entry points. Done means an agreed design and implementation with tests covering the specified quota behavior.

Written by the indexing model from the issue text.