Family and household

Invite family, share a combined view, and use transfer-only household pots. Personal ledgers stay personal.

Family plan: you are a household, not one merged human.

1. Upgrade to Family if not already.
2. Profile → Family card — invite by email + relationship.
3. They join (age 16+). Combined view is for the owner cockpit.
4. Optional: owner creates a household account (shared pot). Transfer in/out. No chai expense on the pot.

UI pills for "You / Combined" sit on dashboard and transactions. Other people’s personal spends are not a group chat. 🗣️