off the cuff spike at a per-account feature toggler

feature_collection.rb

class FeatureCollection
  def initialize(account)
    @account = account
  end
  
  DEFAULTS = {
    'currency'                => 'cad',
    'can_accept_credit_cards' => false,
    #...
  }
  
  def method_missing(name)
    feature = Feature.where(name => @account, :name => name).first
    if feature
      feature.value
    else
      DEFAULTS[name.to_s]
    end
  end
end