Server setting to disallow chat from new accounts (#13952)

* feat(chat): server setting to disallow chat from new accounts

* fix(tests): many adjustments to handle chat minimum age

* fix(tests): address issues outside of chat posting

* chore(analytics): add incident logging

* fix(config): allow instant chat for dev purposes

* fix(test): finely age one more user

* fix(test): member not leader

Co-authored-by: SabreCat <sabe@habitica.com>

test/api/v3/integration/chat/DELETE-chat_id.test.js

@@ -15,6 +15,10 @@ describe('DELETE /groups/:groupId/chat/:chatId', () => {
         type: 'guild',
         privacy: 'public',
       },
+      leaderDetails: {
+        'auth.timestamps.created': new Date('2022-01-01'),
+        balance: 10,
+      },
     });
 
     groupWithChat = group;