* fix(insights): respect recurring_transactions_disabled in subscription_audit
SubscriptionAuditGenerator queried family.recurring_transactions
directly, so disabling recurring-transaction detection (Settings ->
Recurring Transactions) never stopped already-identified rows from
surfacing "recurring charge overdue" insights on the Insights feed —
the family-wide flag was already checked at both call sites in
IdentifyRecurringTransactionsJob, just not here.
Returning [] early is enough for existing insights to self-clean up:
produced_types is a class-level declaration, so GenerateInsightsJob
still counts subscription_audit as a succeeded type and expires any
insight whose dedup_key wasn't regenerated on the next nightly run.
* docs(insights): document why cash_flow_warning skips the recurring-disabled guard
Answers jjmata's open review question. Unlike SubscriptionAuditGenerator,
recurring transactions here are one input into a broader cash-flow
projection, not the insight's entire subject — so it intentionally
keeps using the last-known identified set rather than gating on
family.recurring_transactions_disabled?. No behavior change.
