[BACKEND] Block payment endpoints if user doesn't have verified email

[choden-dev]

Is your feature request related to a problem? Please describe.

Right now there is a chance a user pays with the wrong email address and ends up having to go through some long process to recover details. To solve this verfication could be enforced on the back end

BEFORE MERGING

• [x] Integration test written for services
• [x] Schemas annotated if adding new models
• [x] Code generation run (hint: yarn workspace server tsoa spec-and-routes)
• [x] Appropriate mocks created where possible
• [ ] PR Reviewed (For non-trivial changes)
• [x] Changes tested after rebasing on master or merging in master (hint: git fetch origin master:master, then git rebase master or git merge master)
• [x] All required PR checks passing

[choden-dev]

closed in #551