User Profile Formatter

Format a nested user object into values that are easier to show in an interface or return from an API. The final summary should collect the smaller pieces.

1. `getDisplayName(user)` should return the first and last name as one string.
2. `getLocation(user)` should return `"City, Country"`.
3. `getContactSummary(user)` should return an object with `email` and `phone`.
4. `isAccountActive(user)` should return `true` when `account.status` is `"active"`.
5. `createProfileSummary(user)` should return `displayName`, `location`, `contact`, `active`, and `plan`.