test: integration coverage for dues_payment_methods RLS and dispatcher skip

- dues_payment_methods RLS: member read, admin-only write, cross-space
  denial, 046 unverified-admin status gate (4 cases).
- notification dispatcher: a muted category becomes 'skipped' while
  billing always sends; no pref row sends (default on). First real
  exercise of the skip path (cron is gated off in prod).
- Fix integration/db.ts rowsAsUser: the SELECT must be the last psql -c
  statement or its output is swallowed (it was never used before).
- Dues card: hide "No active dues subscription" for spaces without
  Stripe, where it read as confusing.

components/billing/dues-card.tsx

@@ -53,9 +53,9 @@ export function DuesCard({ billing, methods = [] }: { billing: Billing; methods?
                 ? ` · renews ${new Date(billing.currentPeriodEnd).toLocaleDateString()}`
                 : ''}
             </p>
-          ) : (
+          ) : stripeReady ? (
             <p className="font-mono text-[10px] text-muted-foreground mt-0.5">No active dues subscription.</p>
-          )}
+          ) : null}
         </div>
         {billing?.status && (
           <Badge variant={paid ? 'default' : 'outline'}>{paid ? 'Current' : 'Action needed'}</Badge>