[MM-30984] Missing payment email on billing day if no CC is present (#16442)

* Adding email and scaffolding for payment failure in case where customer has not added payment method

* Adding email template

* Remove unused boolean

* Fix error

* Add Email Us verbiage

Co-authored-by: Mattermod <mattermod@users.noreply.github.com>

model/cloud.go

@@ -4,7 +4,8 @@
 package model
 
 const (
-	EventTypeFailedPayment = "failed-payment"
+	EventTypeFailedPayment       = "failed-payment"
+	EventTypeFailedPaymentNoCard = "failed-payment-no-card"
 )
 
 // Product model represents a product on the cloud system.