Mirror YNAB budget into Postgres with delta sync and change log

YNAB has no event feed, so keep a local copy in ynab_* tables synced via
server_knowledge delta requests: full download on first run, deltas every
YNAB_SYNC_INTERVAL seconds and on demand before each tool call, full
resync daily. Each sync diffs against the mirror and appends real edits
(transactions, assignments, renames) to ynab_changes, the edit history
YNAB doesn't keep.

Agent YNAB tools now answer from the mirror: budget summary (spending
computed from transactions, since YNAB's month activity nets in credit
card payment categories), account balances, transaction search with
splits expanded, spending reports by category/payee/account/month,
category budget, and recent changes. Adds an admin-only read-only
ynab_sql tool guarded by a sqlglot allowlist (scope-resolved tables, no
dangerous functions), a READ ONLY transaction, a timeout, and a row cap.

Replaces utils/ynab_service.py and drops the unused ynab SDK.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

docker-compose.yml

@@ -24,6 +24,7 @@ x-raggr-common: &raggr-common
     - TAVILY_API_KEY=${TAVILIY_API_KEY}
     - YNAB_ACCESS_TOKEN=${YNAB_ACCESS_TOKEN}
     - YNAB_BUDGET_ID=${YNAB_BUDGET_ID}
+    - YNAB_SYNC_INTERVAL=${YNAB_SYNC_INTERVAL:-900}
     - MEALIE_BASE_URL=${MEALIE_BASE_URL}
     - MEALIE_API_TOKEN=${MEALIE_API_TOKEN}
     - TWILIO_ACCOUNT_SID=${TWILIO_ACCOUNT_SID}