pbl-v7-to-v8-migration

MEDIUM W009: Direct money access capability detected (payment gateways, crypto, banking).

• Direct money access detected (high risk: 1.00). The skill is explicitly about migrating and using the Google Play Billing library (PBL) and contains concrete, specific payment APIs and callsites: BillingClient builder changes, enablePendingPurchases()/PendingPurchasesParams, queryPurchasesAsync, queryProductDetailsAsync, BillingFlowParams (including SubscriptionProductReplacementParams), enableUserChoiceBilling, includeSuspendedSubscriptions, and related proration/replacement handling. These are explicit in-app payment/billing APIs that initiate and manage purchases and subscription changes, i.e. direct financial execution capability.