[nitpick] The query could potentially be optimized by combining the two filter operations into a single query using joins. Instead of:

user_organizers = Organizer.objects.filter(teams__members=user).distinct()
return OrganizerBillingModel.objects.filter(organizer__in=user_organizers).filter(...).exists()

Consider:

return OrganizerBillingModel.objects.filter(
    organizer__teams__members=user
).filter(
    (Q(stripe_customer_id__isnull=False) & ~Q(stripe_customer_id='')) |
    (Q(stripe_payment_method_id__isnull=False) & ~Q(stripe_payment_method_id=''))
).exists()

This would eliminate the intermediate queryset and potentially improve performance, though the impact may be minimal.

[nitpick] The help texts for the two organizer creation permission settings don't explain how they interact when both are enabled or what takes precedence. Consider updating the help texts to clarify:

1. When both settings are disabled (unchecked), only system admins can create organizers
2. When "All registered users can create organizers" is enabled, it takes precedence and all authenticated users can create organizers, regardless of the payment setting
3. When only "All accounts with payment information can create organizers" is enabled, only users with payment info on file can create organizers

For example:

• allow_all_users_create_organizer: "If enabled, all registered users will be allowed to create organizers. This takes precedence over the payment information requirement below."
• allow_payment_users_create_organizer: "If enabled (and 'All registered users' is disabled), only users with valid payment information on file will be allowed to create organizers."

There's a circular dependency issue in the payment information check. The _user_has_payment_info method checks if the user has payment info by looking at billing records of organizers where the user is already a team member. However, for new users who haven't created any organizers yet, user_organizers will always be empty, causing this check to always return False.

This means when allow_payment_users_create_organizer=True and allow_all_users_create_organizer=False, new users will never be able to create their first organizer, even if they have payment information on file.

Consider modifying the logic to check for payment information at the user level (if such a model exists) or document that users need to be added to an existing organizer first before they can create new ones.