createTestOrg now calls the production afterOrgCreated hook directly so
the test org goes through the same bootstrap as real orgs (Stripe
Connect, Svix, OrgService.update). Both org branches gate
createStripeAccount on the existing test_stripe_connect to stay
idempotent across re-runs. Pins TEST_ORG_PUBLISHABLE_KEY (a real
KSUID-generated am_pk_test_* value) and persists
UNIT_TEST_AUTUMN_PUBLIC_KEY plus the auto-generated
UNIT_TEST_AUTUMN_SECRET_KEY to server/.env.local + server/.env so test
clients pick them up. Deletes ensureDefaultStripeAccount.ts (replaced by
the gated afterOrgCreated call).