feat(auth): implement mandatory legal acceptance and organization compliance.

[ANCIENTINSANE]

feat(auth): implement mandatory legal acceptance and organization compliance

This commit implements a comprehensive legal acceptance flow for both personal and organization accounts, ensuring compliance across the platform.

Key changes:

• Identity Lifecycle Resolver: Hardened logic to enforce personal legal acceptance for all users and strictly block organization members if their organization has not accepted updated terms.
• Mandatory Compliance: Enforced mandatory organization-level acceptance for Owners and Admins in both the /accept-legal API and the frontend modal.
• Performance Optimization: Reduced database reads by 50% in the /api/auth/lifecycle endpoint by consolidating redundant resolver calls.
• Routing & Guards: Integrated LegalAcceptanceModal into LifecycleGuard to intercept users globally based on compliance status.
• Client-side State: Adjusted React Query settings in useAccountLifecycle (staleTime: 30s, refetch on focus) to ensure security and compliance status changes are detected promptly.
• UI Enhancements: Added clear visual indicators for mandatory compliance and refined the member-blocked state UI.