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Add Savings Product Subscription Limits #480

@Olowodarey

Description

@Olowodarey

Description:
Implement per-user and per-product subscription limits to prevent over-concentration and manage liquidity.

Acceptance Criteria:

  • Add maxSubscriptionsPerUser to SavingsProduct
  • Validation in subscribe endpoint
  • Clear error messages when limit reached
  • Admin override capability
  • Waitlist integration when product is full
  • Analytics on subscription capacity

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