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Remove free credits system (signup bonus, daily credits) and B2B organization credits to simplify the codebase. Credits now only come from purchases or gifts. Changes: - Remove freeCreditsRemaining, dailyFreeCredits, lastDailyResetAt from balances - Remove organizationBalances and creditAllocations tables from schema - Simplify transaction types to: purchase, usage, refund, gift - Remove B2B endpoints from credits controller - Remove checkDailyReset, allocateCredits, deductCredits from service - Add redeemPendingGifts method to auto-redeem gifts on registration - Update frontend to remove free credits display - Add database migration for the changes - Update all related tests to match simplified system |
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