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feat: NaturalUser model enhancements - name, additionalProperties, Stripe Tax ID (Story 5.10b-pre-1) #14

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@fupelaqu

Enhance NaturalUser proto model and StripeAccountApi to support optional organization name, extensible additionalProperties map, and automatic Stripe Tax ID registration based on country-resolved VAT type. Refactors createOrUpdatePaymentAccount to move birthday validation inside COLLECTOR branch only. Pre-requisite for Story 5.10b (licensing infrastructure).

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