[armysyn]

Why

Every cash withdrawal counted as spending. A person who tops the card up with tens of millions a month from another bank and cashes it out had all of it counted as spent, so a year of spending came out in the hundreds of millions and the financial independence target came out in the billions.

What changed

• Pass-through cash, by code (analytics.MarkPassThrough). Money put on the card that is not income (own money from another bank, an ATM or terminal deposit, money from a person) and taken out as cash within 7 days is marked as passing through. Such a withdrawal is not spending (IsSpend). The part of a top-up from a person that left as cash also no longer counts as money from people in the cash flow.
  • A withdrawal counts only when that money covers it whole. A withdrawal the person gave a category stays spending.
  • Salary and the income sources the person chose never pay for a withdrawal.
  • Statements carry dates without times, so on the same day money coming in is ordered before cash going out.
  • Every ledger reader applies it: web pages on SQLite or ClickHouse, and the Telegram insights. Drill-downs still add up, and statement reconciliation is unchanged because it sums raw rows by kind.
• Per-account switch, on by default (kv key cash_pass_through). It is on the operations page when that page is filtered to cash (m=#cash or the Cash category).
• Bulk skip. The same card can skip every cash withdrawal of the period that has no category (status ignored, questions dropped) and can count them again (back to review, as on import).
• Visibility. The analytics page shows a "Passed through" line next to Cash. The income page and the financial independence card on Net worth say how much was left out and link to it. Under All operations these withdrawals carry a "passed through" tag.

Checks

• gofmt -l . prints nothing; go vet ./... passes; go test -race ./... passes; CLICKHOUSE_TEST_URL=… go test ./... passes; golangci-lint run ./... reports 0 issues.
• New tests:
  • TestMarkPassThrough: covered, same-day, salary, from a person (partial), not covered, too old, categorised, income source, totals and drill-downs.
  • TestSkipWithdrawals and the default of the switch.
  • TestPassThroughCash (web): notes on every page, the switch, skip and count, a bad period.
  • The cash-filtered operations page is added to TestPagesRender.
• Screenshots on invented data (a 20M ₸ top-up and cash-out every month): 12-month spending drops from ~255M to 5.2M and the FI target to 129M. Checked in light, dark and in a 375px iframe.

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