refactor: improve payment method dropdown UX with inline disabled labels

- Remove disabled attribute from select - users can now always see all options
- Add conditional option labels showing "(disabled in app settings)" for unavailable methods
- Add userSettings check to IBAN form display condition
- Remove NoteBox warning (replaced by inline disabled labels in options)
- Remove unused NoteBox import
- Remove redundant InfoBox message
- Add English and Croatian translations for disabled option labels
- Clean up removed translation keys

Better UX: Users can now see why payment options are unavailable directly in the dropdown.

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

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

messages/hr.json

@@ -148,10 +148,10 @@
     "tenant-payment-instructions-method--legend": "Podstanaru prikaži upute za uplatu:",
     "tenant-payment-instructions-method--none": "ne prikazuj upute za uplatu",
     "tenant-payment-instructions-method--iban": "uplata na IBAN",
+    "tenant-payment-instructions-method--iban-disabled": "uplata na IBAN - onemogućeno u app postavkama",
     "tenant-payment-instructions-method--revolut": "uplata na Revolut",
-    "tenant-payment-instructions-method--disabled-message": "VAŽNO: Upute za uplatu nisu dostupne jer niti IBAN niti Revolut metode plaćanja nisu konfigurirane u vašim korisničkim postavkama. Molimo idite u Postavke i omogućite barem jednu metodu plaćanja.",
-
-    "tenant--payment-instructions-note": "VAŽNO: za ovu funkcionalnost potrebno je otvoriti postavke aplikacije, te unijeti vaše ime i IBAN.",
+    "tenant-payment-instructions-method--revolut-disabled": "uplata na Revolut - onemogućeno u app postavkama",
+    "tenant-payment-instructions-method--disabled-message": "Ova opcija je nedostupna zato što nije omogućena u postavkama aplikacije.",
 
     "iban-payment--form-title": "Informacije za uplatu na IBAN",
     "iban-payment--tenant-name-label": "Ime i prezime podstanara",