checkpoint: goals feature, wallet balance, and goals/wallet detail UI

- Add goals feature (models, migrations, API, web pages)
- Add reserved/centralized wallet balance service
- Add wallet detail page and overview components
- Add new UI components (progress, multi-select, FAB)
- Remove stray empty -H/-d files from working tree

apps/api/dist/auth/auth.service.d.ts

@@ -86,9 +86,9 @@ export declare class AuthService {
     getUserProfile(userId: string): Promise<{
         id: string;
         email: string;
-        emailVerified: boolean;
         name: string | null;
         avatarUrl: string | null;
+        emailVerified: boolean;
         role: string;
     }>;
     changePassword(userId: string, currentPassword: string, newPassword: string, isSettingPassword?: boolean): Promise<{