LP1890822: Don't checkout in cases where a patron is eligible for a penalty, but...

LP1890822: Don't checkout in cases where a patron is eligible for a penalty, but hasn't received it yet

To test:
1. In Local Admin > Group Penalty Threshold, set the
   PATRON_EXCEEDS_OVERDUE_COUNT threshold to 1.
2. Find a patron who has more than 1 overdue.
3. Try to check another item out to the patron.
4. Confirm that you get an alert PATRON_EXCEEDS_OVERDUE_COUNT
   and the item does not check out.

Note that this adds a penalty check to the checkout logic, rather than
to the patron retrieval logic as suggested in
https://bugs.launchpad.net/evergreen/+bug/1983621, since this will also
address SIP checkouts.

Also adds characterization tests for relevant stored procedures.

Release-note: Fix bug that allowed one checkout after a patron had reached a group penalty threshold, for example PATRON_EXCEEDS_OVERDUE_COUNT or PATRON_EXCEEDS_CHECKOUT_COUNT.

Signed-off-by: Jane Sandberg <sandbergja@gmail.com>
Sponsored-by: PaILS
Signed-off-by: Elizabeth Davis <elizabeth.davis@sparkpa.org>
Signed-off-by: Galen Charlton <gmc@equinoxOLI.org>