v1.23.0: the three silent-failure gaps

Closes the three known issues that had been deferred as "visible when they happen".

A dismissed charge no longer shrinks every category. Dismissing an uncategorized charge means "not spending I need to file", but its amount kept counting toward the month's pool — so one dismissed charge quietly reduced every category's figure with nothing on screen explaining why. Count and total are filtered together in SQL so they cannot describe different rows.

A refund larger than a month's spend no longer inflates a category past its budget. budget - monthSpent exceeds the budget once spend goes negative — $350 left on a $300 category — and since these figures feed the pool, one inflated category overstated all of them.

Scheduled reports retry for ~2.5 minutes (was 11 seconds). The old budget covered an instantaneous blip; a real Telegram outage is minutes. Still bounded, because a daily report an hour late describes a day already spent into.

Permanent rejections surface immediately. Bad token, wrong chat id and malformed Markdown fail identically every attempt, so they no longer consume the retry budget before being logged.

Addon: install simplefin-sync-1.23.0.zip below via Wealthfolio → Settings → Add-ons.

Companion:

docker compose -f docker-compose.yaml -f docker-compose.custom.yaml pull simplefin-sync
docker compose -f docker-compose.yaml -f docker-compose.custom.yaml up -d simplefin-sync