Simplefin sync improvements (#240)

* Fix syncing issues with new connections and accounts..

- Keep SimpleFin institution metadata strictly per account (`simplefin_accounts.org_data`).
- Relax `simplefin_items` institution constraints to allow creating items before org data exists.
- Remove code that copied the first account’s `org` onto `simplefin_items`.

* Improve Simplefin Sync
•
SimpleFin: family “Sync” includes SimpleFin items; importer does unbounded discovery (with pending=1 fallback) before windowed fetch, for both regular and first syncs.
•
Stop populating item‑level institution fields; keep institution metadata per account.
•
Relax NOT NULL on item institution fields.
•
Post‑sync dashboard broadcasts are now guarded (UI cannot fail the job).
•
Show a friendly “daily refresh limit” banner on the SimpleFin card when the latest sync is rate‑limited.
•
Add bin/rails sure:simplefin:debug[ITEM_ID] to print latest sync, snapshot account count, simplefin_accounts count, and unlinked list.

* Fixed double‑quoted strings, spacing around array brackets and commas

* chore: ignore local .junie files

* - Broadcast error logs now include full backtraces
- SimpleFin discovery logic deduplicated fixed
- app/models/simplefin_item/importer.rb
--Added a concise docstring for perform_account_discovery describing purpose, steps, and side‑effects.
--Added a docstring for fetch_accounts_data describing params and return value.

app/views/simplefin_items/_simplefin_item.html.erb

@@ -38,6 +38,11 @@
               <%= icon "alert-triangle", size: "sm", color: "warning" %>
               <%= tag.span t(".requires_update") %>
             </div>
+          <% elsif simplefin_item.rate_limited_message.present? %>
+            <div class="text-warning flex items-center gap-1">
+              <%= icon "clock", size: "sm", color: "warning" %>
+              <%= tag.span simplefin_item.rate_limited_message %>
+            </div>
           <% elsif simplefin_item.sync_error.present? %>
             <div class="text-secondary flex items-center gap-1">
               <%= render DS::Tooltip.new(text: simplefin_item.sync_error, icon: "alert-circle", size: "sm", color: "destructive") %>