Fix payment void cascade, enhance death workflow, and transfer same-number with companion validation

- Payment void now also voids linked payment_requests and reverts frozen/suspended members
- Death case requires full form fill for spouse, charges 570+annual, supports secondary wives as separate memberships
- Transfers keep the SAME membership number, archive source, charge surcharge for extra companions
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>