Harden MCP tool discovery for Claude and Codex. Adds explicit YNAB auth/status and discovery helper tools, keeps the catalog discoverable when credentials are missing, and exposes write tools when YNAB_ALLOW_WRITES=1.
Harden MCP tool discovery for Claude and Codex. Adds explicit YNAB auth/status and discovery helper tools, keeps the catalog discoverable when credentials are missing, and exposes write tools when YNAB_ALLOW_WRITES=1.