expected structure

gistfile1.txt

class User
  enum tariff: %i[free standart unlimited]
end

class Album < ApplicationRecord
  extend tariff
  
  def self.tariff
    user.tariff.camelize.constantize
  end  
  
  module Free
    extend News
    extend Blog
    extend SomeThingFree
  end

  module Standard
    # standard modules  
  end

  module Unlimited
    # unlimited modules  
  end
end

# models, controllers
class AlbumsController < ApplicationController
  extend current_user.tariff.camelize.constantize  
end

# concern
class AlbumsController
  module Free
    extend News
    extend Blog
    extend SomeThingFree
  end

  module Standard
    # standard modules  
  end

  module Unlimited
    # unlimited modules  
  end
end

class Ability
  include CanCan::Ability
  
  def case_user_tariff
    send @user.tariff + '_abilities'
  rescue NoMethodError => e
    puts e
  end
  
  def free_abilities
    
  end
  
  def standard_abilities
    
  end
  
  def custom_abilities
    @user.custom_tariff.keys do |k|
      can :manage, k.to_s.camelize.constantize, @user.custom_tariff[k] == true
    end
  end
end