refactor: Replace actor option patterns with ash_actor_opts helper

- Replace if actor, do: [actor: actor], else: [] with Mv.Helpers.ash_actor_opts/1
- Update email_sync/loader.ex, member validations, member.ex, cycle_generator.ex
- Consistent actor handling across non-LiveView modules

lib/mv/membership_fees/cycle_generator.ex

@@ -28,6 +28,15 @@ defmodule Mv.MembershipFees.CycleGenerator do
   Uses PostgreSQL advisory locks to prevent race conditions when generating
   cycles for the same member concurrently.
 
+  ## Authorization
+
+  This module runs systemically and accepts optional actor parameters.
+  When called from hooks/changes, actor is extracted from changeset context.
+  When called directly, actor should be provided for proper authorization.
+
+  All functions accept an optional `actor` parameter in the `opts` keyword list
+  that is passed to Ash operations to ensure proper authorization checks are performed.
+
   ## Examples
 
       # Generate cycles for a single member