feat: penalty toggle

[adnjoo]

todo

• [x] Look why jobs failing in prod
  • [x] Add D_U in env for worker service 20241025190042
• [x] test stripe works
• [x] #114
• [ ] #116
• [x] #120
• [x] #119
• [x] #123

related

b1c1bdc

[adnjoo]

check stripe dashboard see if user charged

• [x] Add stripe id to user 1
• [x] check correct stripe api key in prod credentials
• [x] No payment method found for user 6

oh dang it worked 🤣