refactor: batch 3 — decompose CheckBalanceAfterDeduction, merge crossing...
refactor: batch 3 — decompose CheckBalanceAfterDeduction, merge crossing checks, add QuotaNotifyConfig
M1: CheckBalanceAfterDeduction (63→18 lines) decomposed into:
canNotifyBalance, resolveUserEffectiveThreshold, crossedDownward, dispatchBalanceLowEmail
M3: New Account.QuotaNotifyConfig(dim) method replaces 9 hardcoded getters
(getters kept as thin wrappers for backward compatibility)
M4: checkQuotaDimCrossings + checkQuotaDimCrossingsFromState merged into one
function taking pre-built []quotaDim; caller builds dims conditionally
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