EffectiveBalance/OwnsCard/OwnsCosmetic on the tx are freeplay-aware
against the live viewer. EffectiveOwnedCardsAsync/EffectiveCosmeticsAsync
on the service mirror today's ViewerEntitlements projections (used by
/load/index).
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
