fix(question): fixed with user_settings (#1349)

# Description

Please include a summary of the changes and the related issue. Please
also include relevant motivation and context.

## Checklist before requesting a review

Please delete options that are not relevant.

- [ ] My code follows the style guidelines of this project
- [ ] I have performed a self-review of my code
- [ ] I have commented hard-to-understand areas
- [ ] I have ideally added tests that prove my fix is effective or that
my feature works
- [ ] New and existing unit tests pass locally with my changes
- [ ] Any dependent changes have been merged

## Screenshots (if appropriate):

backend/routes/chat_routes.py

@@ -209,7 +209,7 @@ async def create_question_handler(
         openai_api_key=current_user.openai_api_key,
     )
     userSettings = userDailyUsage.get_user_settings()
-    is_model_ok = (brain_details or chat_question).model in userSettings.models  # type: ignore
+    is_model_ok = (brain_details or chat_question).model in userSettings.get("models", ["gpt-3.5-turbo"])  # type: ignore
 
     if not current_user.openai_api_key and brain_id:
         brain_details = get_brain_details(brain_id)