CONV-298: Enforce API access feature gate

[menvil]

Summary

• Adds EnsureApiAccessIsAllowed middleware that calls FeatureAccessService::allows($user, 'api_access')
• Free plan users get 403 api_not_available; Pro/Max users pass through
• Registers api.access alias in bootstrap/app.php
• Protected routes use ['api.key', 'api.access'] middleware stack

Test plan

• Free user with valid API key → 403 api_not_available
• Pro user → 200 OK
• Max user → 200 OK
• composer test passes (549 tests)
• composer lint passes

🤖 Generated with Claude Code

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Summary by cubic

Implements CONV-298 by enforcing the API access feature gate on protected endpoints. Free plan users get a 403 api_not_available; Pro/Max users can proceed.

• New Features
  • Added EnsureApiAccessIsAllowed middleware and api.access alias.
  • Applied ['api.key', 'api.access'] to protected routes.
  • Returns 403 via ApiErrorResponseFactory with code api_not_available.
  • Added feature tests for Free, Pro, and Max plans.

^{Written for commit ce08166. Summary will update on new commits.}

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✨ Finishing Touches

🧪 Generate unit tests (beta)

• Create PR with unit tests
• Commit unit tests in branch feature/CONV-298-enforce-api-access-feature-gate

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