feat(healthchat): advertise the account status in settings

Pending approval and an incomplete profile were only visible in the
members tab, which a new user has no reason to open.

ElementX/Sources/AppHooks/HealthChat/HealthChatAccountStatusLoader.swift

@@ -0,0 +1,53 @@
+//
+// Copyright 2026 Novaloop AG
+//
+// SPDX-License-Identifier: AGPL-3.0-only OR LicenseRef-Element-Commercial.
+// Please see LICENSE files in the repository root for full details.
+//
+
+import Foundation
+import Observation
+
+/// Loads the own account's status for the banners that advertise it.
+@Observable
+final class HealthChatAccountStatusLoader {
+    private(set) var status: HealthChatAccountStatus = .unknown
+    
+    /// The load kicked off on creation — await this in tests before asserting.
+    @ObservationIgnored private(set) var loadingTask: Task<Void, Never>?
+    
+    init(apiService: HealthChatAPIServiceProtocol) {
+        loadingTask = Task { await load(from: apiService) }
+    }
+    
+    /// Creates a loader with a fixed status, for previews.
+    init(status: HealthChatAccountStatus) {
+        self.status = status
+    }
+    
+    // MARK: - Private
+    
+    private func load(from apiService: HealthChatAPIServiceProtocol) async {
+        // Every failure below leaves the status unknown: a banner must not report an error.
+        guard case let .success(profile) = await apiService.ownProfile() else {
+            return
+        }
+        
+        guard profile.isApproved else {
+            status = .pendingApproval
+            return
+        }
+        
+        guard case let .success(completeness) = await apiService.profileCompleteness() else {
+            return
+        }
+        
+        // The server words the hint itself; without one there is nothing to show.
+        guard !completeness.isComplete, let message = completeness.message else {
+            status = .ok
+            return
+        }
+        
+        status = .incompleteProfile(message: message)
+    }
+}