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- Add check for oldBalance <= 0 before calculating changePercent
- Directly update to actualBalance if initialBalance is invalid
- Add warning logs for database nil scenarios
- Prevent panic when initial_balance is 0 in database
Applies same critical fix from feat/auto-balance-sync (3a5dea7)
to z-dev branch with adapted database type handling.
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Co-Authored-By: Claude <noreply@anthropic.com>