refactor(events): gate member benefits on hasMemberAccess

Extracts hasMemberAccess(member) in tickets.js and uses it across event
registration, ticket purchase, and series purchase flows so guest, suspended,
and cancelled records no longer count as members while pending_payment still
does.

server/api/events/[id]/tickets/purchase.post.js

@@ -5,6 +5,7 @@ import {
   validateTicketPurchase,
   calculateTicketPrice,
   completeTicketPurchase,
+  hasMemberAccess,
 } from "../../../../utils/tickets.js";
 import { sendEventRegistrationEmail } from "../../../../utils/resend.js";
 import mongoose from "mongoose";
@@ -43,16 +44,17 @@ export default defineEventHandler(async (event) => {
       });
     }
 
-    // Check if user is a member. Guests don't count as members for pricing/validation.
+    // Check if user is a member. Only members with access (active or
+    // pending_payment) count for pricing/validation; guest, suspended,
+    // and cancelled members are treated as non-members.
     let member = await Member.findOne({ email: body.email.toLowerCase() });
     let accountCreated = false;
-    const isRealMember = (m) => !!m && m.status !== "guest";
 
     // Validate ticket purchase
     const validation = validateTicketPurchase(eventData, {
       email: body.email,
       name: body.name,
-      member: isRealMember(member) ? member : null,
+      member: hasMemberAccess(member) ? member : null,
     });
 
     if (!validation.valid) {
@@ -109,15 +111,15 @@ export default defineEventHandler(async (event) => {
     }
 
     // Create registration
-    const realMember = isRealMember(member);
+    const memberHasAccess = hasMemberAccess(member);
     const registration = {
       memberId: member ? member._id : null,
       name: body.name,
       email: body.email.toLowerCase(),
-      membershipLevel: realMember
+      membershipLevel: memberHasAccess
         ? `${member.circle}-${member.contributionTier}`
         : "non-member",
-      isMember: realMember,
+      isMember: memberHasAccess,
       ticketType: ticketInfo.ticketType,
       ticketPrice: ticketInfo.price,
       paymentStatus: requiresPayment ? "completed" : "not_required",