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bug(plans): Account global filter on Plans page is non-functional (plans-have-no-account) #705

Description

@cristim

Account chip on the Plans page is visible but selecting an account doesn't filter the plan list — frontend/src/plans.ts:32-78 loadPlans applies only providerFilter and explicitly skips account (the inline comment notes 'backend has no top-level provider field'). Plans live above accounts and reference accounts via the plan_accounts join table.

Fix direction

Filter via the join: backend api.getPlans() accepts ?account_ids= and JOINs plan_accounts. Mirror the pattern from recommendations.ts. Alternative: hide the Account chip on the Plans page when no per-plan account filter is implementable. First option preserves the affordance and matches user expectations.

Surfaced by QA spreadsheet rows 2.4 and 2.5.

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