feat(server): handle account deleting properly (#12399)

<!-- This is an auto-generated comment: release notes by coderabbit.ai -->
## Summary by CodeRabbit

- **New Features**
  - Users are now prevented from deleting their account if they own one or more team workspaces. A clear error message instructs users to transfer ownership or delete those workspaces first.
  - Disabled (banned) users are explicitly prevented from signing in or re-registering.
  - Added new error messages and translations to improve clarity around account deletion restrictions.

- **Bug Fixes**
  - Disabled users are now explicitly handled to prevent sign-in attempts.

- **Tests**
  - Introduced comprehensive end-to-end tests covering account deletion, banning, and re-registration scenarios.

- **Chores**
  - Improved event handling for user deletion and subscription cancellation.
  - Updated localization resources with new error messages.
  - Renamed payment event handler class for clarity.
<!-- end of auto-generated comment: release notes by coderabbit.ai -->

packages/backend/server/src/base/error/def.ts

@@ -792,10 +792,17 @@ export const USER_FRIENDLY_ERRORS = {
     type: 'action_forbidden',
     message: 'Cannot delete all admin accounts.',
   },
+
+  // Account errors
   cannot_delete_own_account: {
     type: 'action_forbidden',
     message: 'Cannot delete own account.',
   },
+  cannot_delete_account_with_owned_team_workspace: {
+    type: 'action_forbidden',
+    message:
+      'Cannot delete account. You are the owner of one or more team workspaces. Please transfer ownership or delete them first.',
+  },
 
   // captcha errors
   captcha_verification_failed: {