Admin page default quota overrides individual set quota's

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Steps to reproduce

1. Log in as an NC admin or user with delegated access to the teams admin settings page
2. Open the teams admin settings page
3. Change the default quota and save
4. Check the quota in the team folder admin settings

Expected behaviour

When the new default quota is lower as what was set individually on the team the admin should receive a warning and perhaps an option to exclude teams from applying the default.

Actual behaviour

The lower default quota applies to the team folder. If you had a 5GB Team folder with 3GB of data and are applied a default 1GB quota you have an issue. As it is now you can never set a lower default quota as the highest individual team quota without causing troubles or analyzing the used storage beforehand.

Server configuration

Latest docker AIO container for Nextcloud 35.

Start by reproducing the steps on the teams admin settings page and changing the default quota. Then trace the quota handling for team folders to find where the default overrides an individual quota. Done means a lower default no longer silently creates an invalid situation: the admin is warned and can exclude affected teams or preserve their individual quotas.