### Check for existing issues

- [x] I have searched the existing issues and checked that my issue is not a duplicate.

### What happened?

When a non-admin tries to create a personal key (a key that belongs to the user, not to a team) with a given budget, the UI fails with:

``` Error creating the key: Error: {"error":{"message":"{'error': \"max_budget (1.0) cannot exceed the caller's own max_budget (0.25).\"}","type":"internal_server_error","param":"None","code":"400"}} ```

At the same time, trying to update an existing key with a budget, fails with:

``` {'error': 'Only proxy admins, team admins, or org admins can call /key/update (max_budget/spend). user_role=internal_user, user_id=41e4bf99-9ec6-4385-ba36-192174c6f9e1'} ```

This is potentially a regression, see:

- https://github.com/BerriAI/litellm/issues/29073

### Steps to Reproduce

Both these repro paths require to log in with a user that has "Create/Delete/View" permissions and a budget assigned.

Upon creation:

1. Log in with the user 2. Go to "Vitual keys" and create a virtual key. Fill in the name and buget. Do **not** assign a team to it. Click "Save". 4. The error shows up

Upon update:

1. Log in with the user 2…