Stop Clonning values of settings in child Accounts

[OxidizedLoop]

Currently a parent Account has a owned clone of all the child's settings even when there are multiple levels of nested Accounts, making it so that the same setting exists multiple times needlessly.

Ideally we would make it so we have a reference in the parent Account of a setting present in the child Account

Solutions could be:

An Account having an OwnedSettings, and RefSettings, this would be solving the problem of what to do when .insert() is called in an Account holding child Accounts.

Alternatively just one HashMap exists, but swapping the V in HashMap<K,V> for an Rc<V> or Rc<RefCell<V>>