collab: Use `billing_customers.has_overdue_invoices` to gate subscription access (#24240)

This PR updates the check that prevents subscribing with overdue
subscriptions to use the `billing_customers.has_overdue_invoices` field
instead.

This will allow us to set the value of `has_overdue_invoices` to `false`
when the invoices have been paid.

Release Notes:

- N/A