The clan-tag ownership check previously failed closed: when the API
service was unreachable (e.g. during local development), the client
dropped the tag with a "couldn't verify" error and the server's
FailOpenPrivilegeChecker treated every unverifiable tag as reserved.
This made clan tags unusable whenever the API was down.
- Client: checkClanTagOwnership keeps the tag when the existence
probe is inconclusive; the server still re-checks authoritatively.
- Server: FailOpenPrivilegeChecker passes tags through instead of
dropping non-member tags; decideClanTag now takes a non-nullable
reserved set since the null case is gone.
- Remove the now-unused username.tag_check_failed translation key.
- Update Privilege and ClanApiQueries tests for fail-open behavior.
Trade-off: if the reserved-tag list is unavailable in production,
real clan tags can be impersonated until the first successful
PrivilegeRefresher load; after that the last good checker is retained.