Next.js Server Actions Form (Typed + Validated)

Implement a secure Next.js 15 App Router form for [FLOW: signup | checkout | settings] using Server Actions. Include: - Zod schema + `safeParse` in action; field-level errors returned to client - `useActionState` UI with pending/disabled states and toast on success - CSRF/session assumptions documented - Optimistic UI only if safe; otherwise pessimistic with revalidatePath tags [TAGS] - Prisma/Drizzle example for [TABLE] (create/update) - Abuse protection: honeypot + rate limit note Provide complete files: `actions.ts`, `form.tsx`, and minimal `page.tsx`. Stack: [PRISMA | DRIZZLE]. Auth: [NEXTAUTH | CLERK | NONE].