feat(clinic-doctor): full permission coverage + enforcement, parity with secretary

The clinic-member-doctor permission system (ClinicDoctorPermission) lagged the
secretary system: only 6 resources, enforced in ~6 places, dead toggles
(services.update never checked), and a sidebar showing just appointments+patients.
Bring it to parity so a clinic owner can control exactly what each member doctor
does — while an independent doctor stays completely unrestricted.

Coverage: add insurances, addresses, inventory, tags, staff, discounts, sms to
ClinicDoctorPermission::DEFAULT_PERMISSIONS + DoctorPermissionsModal
(subscription/clinic_doctors stay owner-only by design).

New App\Clinic\Security\ClinicDoctorAccessChecker (parallel to
SecretaryAccessChecker):
- denyUnlessGranted(user, resource, action): 403 only for a clinic-member doctor
  in the clinic context; owner/admin/secretary/independent-doctor pass through.
- memberClinicId(user): resolves the member doctor to the CLINIC's tenant so the
  role-based controllers (Inventory/Tag/Staff/Discount/Sms) stop showing them
  their personal tenant in clinic context.

Enforcement wired into 10 controllers alongside the existing secretary gates:
ClinicService (services), Insurance (insurances), Patient (patients+payments),
Staff, Discount, Inventory, Tag, SmsWallet, Payment, PaymentMethod.

Frontend: the guest-doctor sidebar branch now exposes every permitted resource
(gated by can()) plus a «تنظیمات» entry; both settings navs (PurchaseSubscription
Sidebar + SETTINGS_MENU) are now permission-filtered for a scope=clinic doctor,
not just secretaries; my-payments route gets the missing payments permission.
CRUD-button gating already applies (usePermissions is role-agnostic).

Tests: ClinicDoctorPermissionEnforcementTest (member denied/allowed +
independent-doctor-unrestricted); guest-doctor sidebar gating. Backend 375 pass,
frontend 503 pass. docs/api/clinic.md updated with the full resource set +
enforcement notes.

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

src/PaymentMethod/Controller/PaymentMethodController.php

@@ -28,6 +28,7 @@ class PaymentMethodController extends BaseController
     public function __construct(
         private readonly PaymentMethodService   $service,
         private readonly SecretaryAccessChecker $secretaryAccess,
+        private readonly \App\Clinic\Security\ClinicDoctorAccessChecker $clinicDoctorAccess,
     ) {}
 
     /** نقش مجاز + مجوز منشی روی منبع payments (روش‌های پرداخت زیرمجموعهٔ مالی است). */
@@ -35,6 +36,7 @@ class PaymentMethodController extends BaseController
     {
         $this->assertRole($user);
         $this->secretaryAccess->denyUnlessGranted($user, 'payments', $action);
+        $this->clinicDoctorAccess->denyUnlessGranted($user, 'payments', $action);
     }
 
     // ---- Bank accounts -----------------------------------------------------