Fail checkout when due date would be in the past due to patron expiration

This is a gap in current functionality where the due date is truncated with a patron's expiration date.

A common setup in German libraries:
On the weekend library buildings are open and patrons can do self checkout, but there is no circ staff present.
Saturday and Sunday (or holiday periods) are closed days in the Folio calendar, because due dates shouldn't fall on a weekend when there is no staff to handle problems.
Following scenario 2 from CIRC-886, this setup can cause a due date to fall before the loan date!

Steps to reproduce:

• have a loan policy with closed libary due date managment that moves the due date to the end of the next open day

• have a calendar with the current and next day as closed days

• have a patron that expires on the the day after tomorrow

• check out an item

• the due date will fall on yesterday, because that is the last open day before the patron expires

• the loan will be overdue and generating fines immediately

After RA SIG discussion on 2025-01-27, the loan should fail when the calculated due date falls before the initial loan date. There should an override option for staff. The ability to set a due date in the past by using the Change due date button or API must not be affected.

There is a similar issue with renewals. For renewals, there might be different scenarios that will be discussed again in the RA SIG.