Instead of passing `user` to `guardian.can_chat?`, we
can just use the inner `@user` that is part of the guardian
instance already to determine whether that user can chat,
since this is how it works for all other usages of guardian
even within chat.
This is a followup of the previous refactor where we created two new
models to handle all the dedicated logic that was present in the
`ChatChannel` model.
For the sake of consistency, `DMChannel` has been renamed to
`DirectMessageChannel` and the previous `DirectMessageChannel` model is
now named `DirectMessage`. This should help reasoning about direct
messages.
