Retroactive payments now fire payment.completed event so DailyCashMovementService
records them in daily_cash_movements (treasury). Zero-amount installments (from
bad data where down_payment = total_amount) no longer create empty payment records.
Also simplifies overdue subscriptions section on member profile to a warning banner.
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>