Fix Consolidated Travel Billing toggle lock icon flashing while loading

[allgandalf]

Explanation of Change

The Consolidated Travel Billing toggle flashes a lock icon during the enable flow (turn on, connect bank, pick settlement account, "Got it") and on plain Travel page loads. Switch renders the lock whenever the toggle is disabled, and the toggle's disabled included isLoading. openPolicyTravelPage pulses cardSettings.isLoading true then false on every page focus (it runs in a useFocusEffect), plus the configure and settlement-account round-trips, so the lock blinked on/off with each loading pulse. showLockIcon already left isLoading out on purpose, but disabled re-added it.

Pulled isLoading out of the toggle's disabled so the lock is driven only by the stable reasons (!canWriteMoreFeatures || isOnWaitlist || hasOutstandingBalance). Added an early if (isLoading) return in handleToggle so the toggle still can't be flipped mid-request, since that is the only thing disabled was doing there (pendingAction does not block presses). Left isOnWaitlist on the lock, it is a real eligibility-failure state and only changes on provisioning, not a per-load pulse.

Fixed Issues

$ #94909
PROPOSAL:

Tests

1. As a workspace admin, open Workspace settings > Travel with Consolidated Travel Billing not yet enabled.
2. Turn on the toggle and go through the flow (connect bank account, pick the settlement account) to the "Consolidated Travel Billing enabled!" screen, then tap "Got it".
3. Verify the toggle never flashes a lock icon during any step of that flow, and that once it lands back on the Travel page enabled with no balance, there is no lock.
4. Leave and revisit the Travel page a few times and verify the lock never flashes on load.
5. On a workspace with an outstanding travel balance, verify the lock icon still shows and stays on the toggle (unchanged).
6. As a read-only member, verify the toggle still shows the lock (unchanged).

• Verify that no errors appear in the JS console

Offline tests

The lock is derived from the Travel Invoicing card settings already in Onyx, so it renders the same offline. An outstanding balance still shows the lock offline, and a loading pulse never shows one.

QA Steps

Same as tests.

• Verify that no errors appear in the JS console

PR Author Checklist

• I linked the correct issue in the ### Fixed Issues section above
• I wrote clear testing steps that cover the changes made in this PR
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Screenshots/Videos

Android: Native

Android: mWeb Chrome

iOS: Native

iOS: mWeb Safari

MacOS: Chrome / Safari

[codecov]

Codecov Report

❌ Looks like you've decreased code coverage for some files. Please write tests to increase, or at least maintain, the existing level of code coverage. See our documentation here for how to interpret this table.

Files with missing lines	Coverage Δ
...rkspace/travel/WorkspaceTravelInvoicingSection.tsx	91.12% <66.66%> (-0.50%)	⬇️
... and 11 files with indirect coverage changes