startDuesCheckout: self-resolved member+tier, ensures a Stripe Customer
(reuse member_billing or create + upsert), hosted Checkout in
subscription mode with client_reference_id + metadata on BOTH session
and subscription_data; success/cancel back to /me. startBillingPortal:
hosted Billing Portal for self-serve (card/plan/cancel). getMyBilling:
service-client self-view (member_billing is admin-RLS). listMemberBilling:
admin/board/treasurer dues view. All Stripe calls try/caught to a clean
error; per-request client with the space's decrypted key.