### Check for existing issues

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

### What happened?

The pre-call [`_PROXY_MaxBudgetLimiter`](https://github.com/BerriAI/litellm/blob/65ca095d4d15a82372e53a547a2390a69f7e1797/litellm/proxy/hooks/max_budget_limiter.py#L13-L82) does not enforce the same user-budget policy as the main auth and reservation paths on current `litellm_internal_staging` at commit `65ca095d4d15a82372e53a547a2390a69f7e1797`

There are two independent problems in this hook

First, every request with a non-null `team_id` returns before reading user spend

```python if user_api_key_dict.team_id is not None: return ```

The comment says this matches the team-key exemption, but `common_checks` and budget reservation skip the user budget only when `general_settings.skip_user_budget_on_team_key is True`

With the default policy, user budgets should still apply to team keys

Second, the hook catches every non-`HTTPException`, logs it, and returns normally

```python except Exception as e: verbose_logger.exception(...) ```

A Redis/cache/runtime error from `get_current_spend` therefore makes this enforcement layer disappear …