function renderQuota(quota, digits = 2) {
  let quotaPerUnit = localStorage.getItem('quota_per_unit');
  let displayInCurrency = localStorage.getItem('display_in_currency');
  quotaPerUnit = parseFloat(quotaPerUnit);
  displayInCurrency = displayInCurrency === 'true';
  if (displayInCurrency) {
    return '$' + (quota / quotaPerUnit).toFixed(digits);
  }
  return renderNumber(quota);
}
Helper function to get effective ratio and label
@param {number} groupRatio - The default group ratio
@param {number} user_group_ratio - The user-specific group ratio  
@returns {Object} - Object containing { ratio, label, useUserGroupRatio }