Subscriptions

The following new features:
* Table Listing of Payments for the admin to see charges
* Event handling of succeeded and failed charges
* Implementation of user account lockout when charges fail

Could not get stubbing of responses that StripeEvent makes of Stripe to work.

Since you want to do everything under this line is `user` is `true` you can do that in 1 line to prevent the indenting.

`return user if user.nil?` otherwise it will proceed.