### 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 user logs into the LiteLLM UI and creates a personal virtual key with no team associated, setting any max_budget on the key fails with: `Error creating the key: Error: {"error":{"message":"{'error': "max_budget (4.0) cannot exceed the caller's own max_budget (0.25)."}","type":"internal_server_error","param":"None","code":"400"}}`

This is the bug. Your user account has max_budget=$100, but your UI login session token has max_budget=$0.25 (a separate, low per-session cap set on the session token itself). The code at line ~827 uses the session token's budget as the ceiling, not your user account's budget:

`delegation_ceiling = ( user_api_key_dict.max_budget # ← this is the session token's 0.25, not your $100 if user_api_key_dict.max_budget is not None else ... )`

Expected: Key is created with max_budget=4 since the user's account allows up to $100

### Steps to Reproduce

1. Log into the LiteLLM UI as non-admin user. 2. Navigate to "Create Key" and set max_budget to any value (e.g. $4 less than the actual budget o…