fix(billing): defer ownerless org closes and make the drift test load-bearing

A close with overage due but no owner-role member now defers loudly like
the missing-Stripe-identifier case instead of claiming the marker and
silently forgiving the money. The stamp-drift test pins the marker before
the stamped boundary so only the ledger-stamp lookup can produce the
asserted window.

Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>

Author: icecrasher321

apps/sim/lib/billing/cycle-close.test.ts

@@ -226,20 +226,33 @@ describe('closeElapsedBillingPeriod', () => {
   })
 
   it('derives the closed window from the ledger period stamps when they drift from calendar math', async () => {
-    // Rows for the elapsed period are stamped starting Jul 3 (anchor drift);
-    // the stamped boundary — not periodStart minus one interval — must bound
-    // the refresh window.
+    // Rows for the elapsed period are stamped starting Jul 3 (anchor drift)
+    // while the marker sits at Jul 1: only the stamp lookup can produce the
+    // Jul 3 bound — calendar math (periodStart minus one interval) would keep
+    // the window at Jul 1.
     const stampedPrevStart = new Date('2026-07-03T00:00:00.000Z')
     queueTableRows(schemaMock.usageLog, [{ start: stampedPrevStart }])
     queueOrgCloseReads()
 
-    await closeElapsedBillingPeriod(subRow({ lastClosedPeriodStart: stampedPrevStart }))
+    await closeElapsedBillingPeriod(subRow({ lastClosedPeriodStart: PREV_PERIOD_START }))
 
     expect(mockComputeOrgOverageAmount).toHaveBeenCalledWith(
       expect.objectContaining({ periodStart: stampedPrevStart, periodEnd: PERIOD_START })
     )
   })
 
+  it('defers the close when overage is due but the organization has no owner', async () => {
+    mockGetStampedPeriodRangeUsageCostByUser.mockResolvedValue(new Map([['departed-1', 150]]))
+    // Member roster has no owner-role row.
+    queueTableRows(schemaMock.member, [{ userId: 'member-1', role: 'member' }])
+
+    const result = await closeElapsedBillingPeriod(subRow())
+
+    expect(result.status).toBe('skipped')
+    expect(dbChainMockFns.transaction).not.toHaveBeenCalled()
+    expect(mockEnqueueOutboxEvent).not.toHaveBeenCalled()
+  })
+
   it('includes departed members with billed ledger usage in the refresh actor set', async () => {
     // 'departed-1' has org-attributed rows in the closed period but no member
     // row anymore; their refresh consumption must still offset the overage.

apps/sim/lib/billing/cycle-close.ts

@@ -314,6 +314,19 @@ export async function closeElapsedBillingPeriod(sub: SubscriptionRow): Promise<C
     })
     return base
   }
+  if (collectMoney && orgScoped && !trackerUserId) {
+    // Same defer as missing Stripe state: without an owner row there is no
+    // billed-overage tracker or credit target, and claiming the marker would
+    // silently forgive the overage. The sweep retries once ownership is
+    // repaired; mirrors threshold billing's missing-owner handling.
+    logger.error('Deferring cycle close: overage due but organization has no owner', {
+      subscriptionId: sub.id,
+      organizationId: sub.referenceId,
+      plan: sub.plan,
+      totalOverage,
+    })
+    return base
+  }
 
   const closeResult = await db.transaction(
     async (