don't allow banned users to buy credits #5322

Job	Run time
build-and-check	2m 41s
test-packages/agent-runtime	53s
test-common	39s
test-integration-web	46s
test-integration-packages/internal	42s
test-packages/billing	40s
test-packages/internal	49s
test-integration-packages/billing	39s
test-integration-packages/agent-runtime	49s
test-web	50s
test-integration-sdk	40s
test-integration-common	39s
test-cli	1m 13s
test-integration-cli	38s
test-.agents	42s
test-integration-.agents	39s
test-sdk	53s
	14m 52s

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