feat(peergos): access gate - block reads and writes for delinquent customers #4
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George 2026-10-06: unpaid/overdue invoice or failed payment blocks Peergos READS as well as writes until paid. forward_auth endpoint for ns2 Caddy, billing holds, pay-now clears holds immediately. 290/290 tests pass. Limits in docs/PEERGOS-BILLING.md.