Use of Cloud Models can be made optional

[alexheifetz]

embabel-agent framework starting version 0.1.3 does not require Cloud Models.
Users are free to use Ollama or Docker Models, if that's what they want.

In the 0.1.4 we're planning to add generic starter where users will be able to specify OpenAI Compatible model of choice (without having to custom develop integration layer for it)

This somehow needs to be addressed in the template, at the very least to not required OpenAI/Anthropic keys and prompt users to configure LLM Model of choice.

See how it's done in the embabel-agent-examples: scripts/check_env.sh, maybe it's good enough for template as well...