[PAY-2030] Use cooldown_days from backend instead of hardcoding

[dharit-tan]

Description

• Remove hardcoded COOLDOWN_DAYS and use value from api response instead.
• Fix a subtle bug where challenges with created_at that crosses the date boundary when converting from utc to local time would be bucketed into the wrong bin. Decided to draw a line between all UI-related date calculations which should be done in local time, vs. using utc when figuring out whether a challenge is claimable or not.

Depends on #6604

How Has This Been Tested?

Local web dev

Test data:

discovery_provider_1=# select challenge_id, specifier, amount, created_at from user_challenges where challenge_id = 'b' order by created_at desc;
 challenge_id |       specifier       | amount |          created_at
--------------+-----------------------+--------+-------------------------------
 b            | 768484728=>357517808  |      2 | 2023-11-07 02:52:06.721132+00
 b            | 768484728=>425796167  |      4 | 2023-11-07 02:51:56.728657+00
 b            | 768484728=>1590051877 |      3 | 2023-11-06 21:33:34.088129+00
 b            | 768484728=>1865433894 |      5 | 2023-11-01 22:15:18.65889+00
 b            | 768484728=>137056909  |      2 | 2023-10-31 22:15:18.65889+00
(5 rows)

[audius-infra]

Preview this change https://demo.audius.co/rt-cooldown-cleanup

[rickyrombo]

Good looks with the conversion to local time, and also the mobile fix and moving utils to common!

[raymondjacobson]

will we have problems if client is deployed before discovery?

[audius-infra]

Preview this change https://demo.audius.co/rt-cooldown-cleanup

[dharit-tan]

will we have problems if client is deployed before discovery?

yes - i've moved the fix for the bug in mobile to its own commit and deployed that. that one doesn't rely on backend changes. i'll leave this commit on staging and let it roll out normally and by then DNs will have been updated.

[audius-infra]

Preview this change https://demo.audius.co/rt-cooldown-cleanup

[audius-infra]

Preview this change https://demo.audius.co/rt-cooldown-cleanup

[audius-infra]

Preview this change https://demo.audius.co/rt-cooldown-cleanup