re: add markdown message for insufficient_quota error in openai

[cyai]

Describe the changes you have made:

If you run out of money/funds in openai account then currently the interpreter throws an exception. Instead this PR ensures that it print the error message without crashing or dropping the conversation, so you can replenish account and continue.

Reference any relevant issues (e.g. "Fixes #000"):

Fixes #1297

Pre-Submission Checklist (optional but appreciated):

• [x] I have included relevant documentation updates (stored in /docs)
• [x] I have read docs/CONTRIBUTING.md
• [x] I have read docs/ROADMAP.md

OS Tests (optional but appreciated):

• [ ] Tested on Windows
• [x] Tested on MacOS
• [ ] Tested on Linux