Include Team plans in dashboard fee/upsell logic

Commit notes

The creator dashboard computed hasProSubscription from only the two Pro plans, so Team/Label subscribers saw the full 15% platform fee and a bogus "Upgrade to Pro" upsell. Use the shared isPaidSubscriptionPlan helper so all paid plans get the reduced fee, matching the fee shown in the subscription drawer.

Co-Authored-By: Claude Opus 4.8 <[email redacted]>