feat: disable payment method select when no payment methods configured

- Add userSettings prop to LocationEditForm to check payment configuration
- Disable payment method dropdown when neither IBAN nor Revolut is enabled
- Force select value to "none" when both methods are disabled
- Disable individual IBAN/Revolut options when not configured
- Display NoteBox warning explaining why payment options are unavailable
- Update LocationEditPage and LocationAddPage to fetch and pass userSettings
- Add English and Croatian translations for disabled state message

This prevents users from configuring location payment methods before setting up their own payment info.

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude <noreply@anthropic.com>

app/[locale]/location/[id]/edit/LocationEditPage.tsx

@@ -1,6 +1,7 @@
 import { notFound } from 'next/navigation';
 import { LocationEditForm } from '@/app/ui/LocationEditForm';
 import { fetchLocationById } from '@/app/lib/actions/locationActions';
+import { getUserSettings } from '@/app/lib/actions/userSettingsActions';
 
 export default async function LocationEditPage({ locationId }: { locationId:string }) {
 
@@ -10,7 +11,9 @@ export default async function LocationEditPage({ locationId }: { locationId:stri
         return(notFound());
     }
 
-    const result = <LocationEditForm location={location} />;
-    
+    const userSettings = await getUserSettings();
+
+    const result = <LocationEditForm location={location} userSettings={userSettings} />;
+
     return (result);
 }