Disable card benefits IPH by default.

Since this flag will be controlled via Finch, we would like to disable
it by default.

Bug: b/323441257
Change-Id: I3d8aed03d7167f0a4a04f59742423a551e8e6a75
Reviewed-on: https://chromium-review.googlesource.com/c/chromium/src/+/5427821


Reviewed-by: Alexander Tekle <alexandertekle@google.com>
Commit-Queue: Justin Wells <justinleewells@google.com>
Reviewed-by: Dana Fried <dfried@chromium.org>
Cr-Commit-Position: refs/heads/main@{#1283417}