Lending and borrowing

People, their own accounts, and why every movement is an ordinary transaction.

• contacts: people per book, with only a name and an optional note. They never signed up, so nothing else about them is stored, and they’re never sent to the AI.

• Every person is also an account (kind person, with the person’s id), added with them in the currency picked then (the book’s by default). Positive means they owe you; negative, that you owe them. It follows the person’s name and archiving, can’t change kind, and doesn’t take an account’s name. The accounts routes won’t make or change one (person_account): it changes through the person. It counts in net worth. It isn’t listed on Accounts or in the Overview’s accounts: people are on People, and are picked like accounts, under “People”.

• Every movement is an ordinary transaction, so net worth and spending stay right:

  What happened	Transaction
  You lend Tom $200	Transfer: Checking → Tom
  Tom pays you back	Transfer: Tom → Checking
  You borrow from Mom	Transfer: Mom → Checking
  Tom paid for your dinner	Expense on Tom, with its category: you owe him, and it counts as your spending
  You forgive what’s left	Expense (or income) on the person

• lent accounts (money you lent; positive means they owe you) and loan accounts (money you borrowed; negative means you owe them) can still link to a person: for a loan with its own details (installments, interest, a bill), or in another currency. They count in that person’s total.

• contact_balances shows, per person and currency, what they owe you and what you owe them, from all their accounts.

• Deleting a person with nothing recorded deletes their account too. One with transactions, or linked to a lent or loan account, is archived instead, with their account, and the app says so (default, as for categories).