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/Subscription/Controller/SubscriptionController.php

@@ -35,6 +35,7 @@ class SubscriptionController extends BaseController
         private readonly ClinicRepository              $clinicRepo,
         private readonly UserActiveContextRepository   $contextRepo,
         private readonly EntityManagerInterface        $em,
+        private readonly \App\Secretary\Security\SecretaryAccessChecker $secretaryAccess,
     ) {}
 
     // ── Public ──────────────────────────────────────────────────────────────
@@ -56,6 +57,7 @@ class SubscriptionController extends BaseController
     #[IsGranted('IS_AUTHENTICATED_FULLY')]
     public function my(#[CurrentUser] User $user): JsonResponse
     {
+        $this->secretaryAccess->denyUnlessGranted($user, 'subscription', 'view');
         [$entityType, $entityId] = $this->resolveEntity($user);
         if ($entityId === null) {
             return $this->error(ErrorCodes::ERR_FORBIDDEN_001, 'پروفایل یافت نشد', 403);
@@ -76,6 +78,7 @@ class SubscriptionController extends BaseController
     #[IsGranted('IS_AUTHENTICATED_FULLY')]
     public function trial(#[CurrentUser] User $user): JsonResponse
     {
+        $this->secretaryAccess->denyUnlessGranted($user, 'subscription', 'create');
         [$entityType, $entityId] = $this->resolveEntity($user);
         if ($entityId === null) {
             return $this->error(ErrorCodes::ERR_FORBIDDEN_001, 'پروفایل یافت نشد', 403);