fix: corrects permission access reading for disabling fields (#6815)

Fixes issues where access control was not properly affecting the read-only setting on fields.

test/access-control/collections/Disabled/index.ts

@@ -0,0 +1,42 @@
+import type { CollectionConfig, Field } from 'payload/types'
+
+import { disabledSlug } from '../../shared.js'
+
+const disabledFromUpdateAccessControl = (fieldName = 'text'): Field => ({
+  type: 'text',
+  name: fieldName,
+  access: {
+    update: () => {
+      return false
+    },
+  },
+})
+
+export const Disabled: CollectionConfig = {
+  slug: disabledSlug,
+  fields: [
+    {
+      type: 'group',
+      name: 'group',
+      fields: [disabledFromUpdateAccessControl()],
+    },
+    {
+      type: 'tabs',
+      tabs: [
+        {
+          name: 'namedTab',
+          fields: [disabledFromUpdateAccessControl()],
+        },
+        {
+          label: 'unnamedTab',
+          fields: [disabledFromUpdateAccessControl('unnamedTab')],
+        },
+      ],
+    },
+    {
+      type: 'array',
+      name: 'array',
+      fields: [disabledFromUpdateAccessControl()],
+    },
+  ],
+}