Implement banking system features and enhancements

- Added banking mode with checking, savings, and charity accounts, including auto-split options for income.
- Introduced banking transaction management, including transfers and charity outflows.
- Updated family settings to allow configuration of banking features and interest rates.
- Enhanced data export functionality to include bank transactions.
- Improved user interface to display banking information and donation goals.
- Updated documentation to reflect new banking features and settings.

api/people_create_first.php

@@ -46,6 +46,12 @@ $newPerson = [
     'birthday' => $birthday,
     'favoriteColor' => $favoriteColor,
     'currency_balance' => 0,
+    'checking_balance' => 0,
+    'savings_balance' => 0,
+    'charity_pending_balance' => 0,
+    'charity_donated_total' => 0,
+    'donation_goal_monthly' => 0,
+    'banking_interest_last_applied_at' => '',
     'nfc_submit_token_hash' => '',
     'nfc_submit_token_updated_at' => '',
     'created_at' => gmdate('c'),