Allinea le spec alla policy password e prepara i piani di test.

Senza questo la suite locale fallisce sulla complessità password e sui piani mancanti.

Co-authored-by: Cursor <cursoragent@cursor.com>

backend/spec/services/billing/stripe/checkout_session_spec.rb

@@ -1,7 +1,7 @@
 require "rails_helper"
 
 RSpec.describe Billing::Stripe::CheckoutSession do
-  let(:user) { User.create!(email: "checkout@test.it", name: "Owner", password: "password123", role: "coach") }
+  let(:user) { User.create!(email: "checkout@test.it", name: "Owner", password: "Password123", role: "coach") }
   let(:club) do
     Club.create!(
       name: "Checkout Club", sport: "volleyball",

backend/spec/services/billing/stripe/ensure_customer_spec.rb

@@ -1,7 +1,7 @@
 require "rails_helper"
 
 RSpec.describe Billing::Stripe::EnsureCustomer do
-  let(:user) { User.create!(email: "ensure@test.it", name: "U", password: "password123", role: "coach") }
+  let(:user) { User.create!(email: "ensure@test.it", name: "U", password: "Password123", role: "coach") }
   let(:club) do
     Club.create!(name: "Ensure Club", sport: "volleyball", primary_color: "#e53935", secondary_color: "#ffffff")
   end