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/notifications/prevent-multiple-notification.js

@@ -25,6 +25,7 @@ describe('Prevent multiple notifications', () => {
 
     for (let i = 0; i < 4; i += 1) {
       for (let memberIndex = 0; memberIndex < partyMembers.length; memberIndex += 1) {
+        await partyMembers[memberIndex].update({ 'auth.timestamps.created': new Date('2022-01-01') }); // eslint-disable-line no-await-in-loop
         multipleChatMessages.push(
           partyMembers[memberIndex].post(`/groups/${party._id}/chat`, { message: `Message ${i}_${memberIndex}` }),
         );