FEAT: v2: Overrides having to pay in SMTP if the owners admin key is present

[dni]

new pr of #1337

[codecov-commenter]

Codecov Report

Merging #1353 (bb57831) into main (a813a37) will increase coverage by 0.13%.
The diff coverage is 26.41%.

@@            Coverage Diff             @@
##             main    #1353      +/-   ##
==========================================
+ Coverage   48.05%   48.19%   +0.13%     
==========================================
  Files         296      296              
  Lines       16769    16800      +31     
==========================================
+ Hits         8058     8096      +38     
+ Misses       8711     8704       -7     

Impacted Files	Coverage Δ
lnbits/extensions/smtp/smtp.py	23.61% <13.11%> (+2.55%)	⬆️
lnbits/extensions/smtp/views_api.py	26.00% <26.66%> (-1.28%)	⬇️
lnbits/extensions/smtp/crud.py	28.57% <45.83%> (-0.94%)	⬇️
lnbits/extensions/smtp/tasks.py	44.00% <50.00%> (ø)
lnbits/extensions/smtp/migrations.py	100.00% <100.00%> (ø)
lnbits/extensions/smtp/models.py	100.00% <100.00%> (ø)
lnbits/commands.py	75.00% <0.00%> (+2.77%)	⬆️
lnbits/utils/exchange_rates.py	89.83% <0.00%> (+3.38%)	⬆️
lnbits/extensions/lnurlp/migrations.py	96.29% <0.00%> (+3.70%)	⬆️
lnbits/extensions/copilot/migrations.py	100.00% <0.00%> (+12.50%)	⬆️
... and 2 more

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