test_integration: align with current payment schema and code

Rewrite the integration tests against the current schema/behaviour:
- crypto flow: process_transaction records the tx itself (drop the manual
  crypto_transactions insert with non-existent from_address/to_address columns;
  ensure a crypto wallet row exists; pass a float amount for SQLite binding).
- subscriptions: use account_tiers + subscriptions (not subscription_tiers/
  user_subscriptions), create the required card payment method, and make the
  renewal subscription actually due (current_period_end in the past); assert via
  process_renewals' processed count.
- consolidation: enable crypto_consolidation_settings so candidates are queued.
- notifications: enable email_notification_settings and add an email_templates
  row so the notification is actually sent.
Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>