CVE-2026-71537: Paymenter has a credit-refund double-spend race condition in service downgrade (doUpgrade)

The service downgrade implementation in app/Livewire/Services/Upgrade.php::doUpgrade() executes a proration calculation and a subsequent user credit refund without any transactional safety or database locks. The only concurrency check relies on an unisolated database query checking for existing pending upgrades. Because there is no active database transaction or pessimistic row-level lock spanning this validation and the subsequent credit update, concurrent downgrade requests can bypass the guard simultaneously. This allows a user to trigger multiple refunds for a single service downgrade.