feat(auth): block disabled user accounts at the subscription guard

RequireActiveTenantSubscription now optionally takes an AuthRepository
and rejects the request with 40311/user_disabled when the actor's user
row is anything other than active. Wire the repo through the tenant
router, surface the new error code in admin-web's
membershipBlockedErrors set, persist a "disabled" membership status when
markStoredMembershipBlocked sees user_disabled, and add localized copy
on the blocked screen and shell membership banner.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

apps/admin-web/src/lib/api.ts

@@ -273,6 +273,7 @@ export const apiClient = createApiClient({
 });
 
 const membershipBlockedErrors = new Set([
+  "user_disabled",
   "trial_plan_expired",
   "subscription_required",
   "subscription_inactive",