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.

db/schema.rb

@@ -10,7 +10,7 @@
 #
 # It's strongly recommended that you check this file into your version control system.
 
-ActiveRecord::Schema[7.2].define(version: 2025_10_24_083624) do
+ActiveRecord::Schema[7.2].define(version: 2025_10_25_095800) do
   # These are extensions that must be enabled in order to support this database
   enable_extension "pgcrypto"
   enable_extension "plpgsql"
@@ -29,7 +29,7 @@ ActiveRecord::Schema[7.2].define(version: 2025_10_24_083624) do
     t.uuid "accountable_id"
     t.decimal "balance", precision: 19, scale: 4
     t.string "currency"
-    t.virtual "classification", type: :string, as: "\nCASE\n    WHEN ((accountable_type)::text = ANY (ARRAY[('Loan'::character varying)::text, ('CreditCard'::character varying)::text, ('OtherLiability'::character varying)::text])) THEN 'liability'::text\n    ELSE 'asset'::text\nEND", stored: true
+    t.virtual "classification", type: :string, as: "\nCASE\n    WHEN ((accountable_type)::text = ANY ((ARRAY['Loan'::character varying, 'CreditCard'::character varying, 'OtherLiability'::character varying])::text[])) THEN 'liability'::text\n    ELSE 'asset'::text\nEND", stored: true
     t.uuid "import_id"
     t.uuid "plaid_account_id"
     t.decimal "cash_balance", precision: 19, scale: 4, default: "0.0"
@@ -754,6 +754,9 @@ ActiveRecord::Schema[7.2].define(version: 2025_10_24_083624) do
     t.string "institution_color"
     t.date "sync_start_date"
     t.index ["family_id"], name: "index_simplefin_items_on_family_id"
+    t.index ["institution_domain"], name: "index_simplefin_items_on_institution_domain"
+    t.index ["institution_id"], name: "index_simplefin_items_on_institution_id"
+    t.index ["institution_name"], name: "index_simplefin_items_on_institution_name"
     t.index ["status"], name: "index_simplefin_items_on_status"
   end