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- Fix display issues on the settings -> merchants page. Currently it was showing only user created merchants, not provider created ones. - SimpleFin had its own MerchantDetector class that directly called ProviderMerchant.find_or_create_by! - This was inconsistent with Plaid and Lunchflow which use the centralized import_adapter.find_or_create_merchant method - Different unique keys: SimpleFin used source + name, others used source + provider_merchant_id