Edit history: Default Limit rule permissions not automaticly granting users access to banners

Reproduction steps

Set these settings on a self-hosted instance:
- Set Premium to everyone
- Make sure the default-Limit Rule has the Animated Banner rule enabled
Login with a new account
Open settings
Observe that the Banner section reads: Profile Banners are not enabled on this instance
Manually give the new account the default-user trait via the admin panel
Reload and open user settings again
Observe that it now lets you apply a banner to the account

Expected behaviour

Setting the Premium mode to everyone should grant new users the ability to have profile banners. Having Animated Banner enabled in the default limit rule should grant users the banner entitlement.

Actual behaviour

Banners are disabled for users unless a trait with the Animated Banner limit rule is manually applied to them. The Animated Banner rule in the default limit rule is not applied unless the default-user trait is manually applied to an account. for some reason i am also able to reproduce #3490, this might be related.

Build information

Canary Desktop:

Canary Desktop 2026.1009.45608, Web 2026.1011.165018, Linux 7.2.9-100.fc43.x86_64 (x64), Electron 44.4.1, Chrome 152.0.7977.78, Node 24.21.0, Locale en-US

Web:

Canary Web 2026.1012.2059, Linux (x64), Firefox 157.0, Locale en-US

Platform

macOS, Windows, Linux, Web, Android, iOS, Self-hosting