delineat Billable vs Authorized collections in /superadmin view
fix regression introduced in 4af86866bc94b295acc6edba9a13aff2b1a07529
refactor collection.billable_to determination logic to always prefer Organization. This is because a User in an Organization never owns any collection on-their-own. the definition of user.collections always prefers user.organization.collections
Collection.create and .update will check that Collection has owner. Otherwise we end up with catch-22 when calculating usage, since billable_collections assume an owner has already been set
make sure all collections are billable before calculating usage