Add comprehensive test suite for chat app
- Add userRepository.test.js: User CRUD, authentication, OAuth providers, 2FA, affiliate tracking
- Add sessionRepository.test.js: Sessions, refresh tokens, token blacklist, device fingerprinting
- Add auditRepository.test.js: Audit logging, event types, time-based queries, success/failure tracking
- Add connection.test.js: Database initialization, transactions, foreign keys, backup operations
- Add model-routing.test.js: Provider fallback, plan validation, token rates, rate limiting
- Add payments.test.js: Subscription pricing, top-ups, PAYG, discounts, webhook handling
- Add api-endpoints.test.js: Auth endpoints, user management, admin endpoints, middleware
- Update package.json with test scripts (bun test)
Tests cover: accounts, authentication, model routing, payments, subscriptions, admin panel, API endpoints
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