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Change widget plan

POST 

/v1/widgets/subscription

Self-serve tier change (admin only — spends credits). UPGRADES charge the full monthly fee from the credit wallet NOW and open a fresh quota period (402 when the balance can't cover it). DOWNGRADES charge nothing and are scheduled for the current period's end (pending_plan_tier in the status payload; picking your current tier again cancels the schedule for free). Send expected_current_tier so a stale card 409s instead of charging for a transition the org already left. 'business' is sales-led → 400. Leaving to PAYG entirely is /subscription/cancel, not picking 'free'.

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