CRITICAL security fix: In per-user notification mode, the notification runner
was fetching ALL active bills globally and sending each bill's details to
every opted-in recipient regardless of ownership. This meant User A's bill
names, amounts, and due dates could be emailed to User B.
Fix: Added ownership filter in the recipient loop:
if (allowUserConfig && bill.user_id !== recipient.id) continue;
Also added a defensive guard for bills with no user_id (orphaned bills),
which are now skipped with a console.warn instead of being broadcast.
Global notification mode (single admin recipient) is unaffected.
Security audit: Private_Hudson confirmed the fix is airtight. All other
routes (bills, payments, tracker, analytics, export, calendar, summary,
categories) properly scope data by user_id.
Version bump: 0.23.1 → 0.23.2 (security patch)