- Add nullable debt field to User entity with addDebt/reduceDebt helpers
- On refund webhook: add refunded amount to organizer debt
- On dispute webhook (charge.dispute.created): add disputed amount to debt
- OrderController: if organizer has debt > 0, payment goes to main Stripe
account instead of connected account, debt reduced on payment success
- Display debt amount on organizer dashboard with warning message
- Add dispute notification email template
- Migration for debt column on user table
Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>
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