[ty] Callable types are disjoint from non-callable `@final` nominal instance types (#18368)
## Summary
Resolves [#513](https://github.com/astral-sh/ty/issues/513).
Callable types are now considered to be disjoint from nominal instance
types where:
* The class is `@final`, and
* Its `__call__` either does not exist or is not assignable to `(...) ->
Unknown`.
## Test Plan
Markdown tests.
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Co-authored-by: Carl Meyer <carl@astral.sh>