fix(secretary): allow insurance pages; add grantable subscription resource

Insurance pages redirected to the dashboard: the insurance-pricing/claims
routes never listed `secretary`, so RoleRoute bounced a secretary who had
insurances.view and saw the menu item. Added secretary + permission
['insurances','view'] to both routes; also gated my-financial with
['payments','view'] for consistency.

«خرید اشتراک» was owner-only with no permission toggle, so it could not be
granted. Added a `subscription` secretary resource (view/create) end-to-end:
- entity DEFAULT_PERMISSIONS + SecretaryPermissions type + both secretary forms.
- backend: SubscriptionController::my (view) and trial (create),
  PaymentController::initiateSubscription (create). resolveEntity in
  SubscriptionController was already secretary-aware.
- frontend: subscription + subscription/success routes accept secretary +
  permission; settings navs gate «خرید اشتراک» by ['subscription','view'].

Tests: subscription denied-by-default / allowed-when-granted. docs/api
secretary.md updated (resource list, enforcement map, JSON example).

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

src/Secretary/Entity/DoctorSecretary.php

@@ -34,6 +34,7 @@ class DoctorSecretary
             'sms'          => ['view' => false, 'create' => false, 'update' => false, 'delete' => false],
             'appointment_settings' => ['view' => false, 'update' => false],
             'clinic_doctors' => ['view' => false, 'create' => false, 'update' => false, 'delete' => false],
+            'subscription' => ['view' => false, 'create' => false],
         ],
     ];