With Accounting on and CRM/customerPortal off, the picker renders but there
was still no way to create the first customer: /admin/clients/accounts and
every CRM editor with inline-create are feature-gated, and the picker's
empty-state hint pointed at that unreachable page.
Reuses the existing InlineCustomerCreate that CustomerPicker already mounts
for the CRM editors. The affordance is gated on customers.create, matching the
backend, where POST /admin/customers is permission-gated and not flag-gated.
mode is 'passive' when customerPortal is off -- a portal invitation would
email a link to a login that does not exist -- and 'both' when it is on. On
success the customer is appended to the selection, which is what the
accounting call sites' next.slice(-1) already expects.
The noResults hint pointing at the hidden page is replaced by two keys: one
naming the button, one for admins without the permission.
Refs testplan REPORT.md B12.