Use create for all users in specs where necessary

spec/policies/consumer_policy_spec.rb

@@ -10,7 +10,7 @@ describe ConsumerPolicy do
       it 'grants access to admins only' do
         expect(policy).to permit(build(:admin), Consumer.new)
         %i[external_user teacher].each do |factory_name|
-          expect(policy).not_to permit(build(factory_name), Consumer.new)
+          expect(policy).not_to permit(create(factory_name), Consumer.new)
         end
       end
     end