dev/core#2244 Simplify and consistently apply checking of whether financial acls...

dev/core#2244 Simplify and consistently apply checking of whether financial acls are enabled

Per https://lab.civicrm.org/dev/core/-/issues/2244 the move of some handling to this function
did not consistently include an early return when the setting is toggled off.

Eventually there will be no setting - just 'is this extension enabled or not' but
in the transition we need this. The new version is easier to copy and paste :-)
and uses a function in the extension. The function in the main code base is
mostly a lot of code to handle the way the setting used to be stored & it
could just check the setting too now