FIX: correctly shows as disabled a user who can't chat (#26010)

Prior to this fix we were checking if user was not part of a group which allows to chat, but we were not checking if this user was part of groups who can use direct messages.

plugins/chat/lib/chat/channel_fetcher.rb

@@ -199,7 +199,7 @@ module Chat
           .where(id: scoped_channels)
           .includes(
             last_message: [:uploads],
-            chatable: [{ direct_message_users: [user: :user_option] }, :users],
+            chatable: [{ direct_message_users: [user: %i[user_option group_users]] }, :users],
           )
           .joins(
             "LEFT JOIN chat_messages last_message ON last_message.id = chat_channels.last_message_id",

plugins/chat/lib/chat/guardian_extensions.rb

@@ -25,7 +25,7 @@ module Chat
     end
 
     def can_create_direct_message?
-      is_staff? || @user.in_any_groups?(SiteSetting.direct_message_enabled_groups_map)
+      is_staff? || can_direct_message?
     end
 
     def hidden_tag_names