fix permission showing problem in cliam reading page when not logged in

I removed the permission checking for the tip and add a checking whether the user logged in or not. I do not know whether there is a way to not show the error when the user do not have the permission, so I just added a sign in checking and returned empty.
This looks like the right solution to me.  Nice find.

However, I would check Auth.signed_in? before running next_step_tip, because that's a lot of heavy loading to do if we're not going to actually show the tip.