feat: add per-org SMS wallet with adm panel and header credit

Bill all platform SMS (including OTP), allow negative balance with manual/auto cutoffs, and support own-panel bypass without wallet debit.

apps/api/src/contacts/contacts.module.ts

@@ -8,7 +8,6 @@ import { CompaniesService } from './companies.service';
 import { PeopleController } from './people.controller';
 import { PeopleService } from './people.service';
 import { ContactsExcelService } from './contacts-excel.service';
-import { SmsService } from '../common/sms.service';
 import { BehaviorModule } from '../behavior/behavior.module';
 
 @Module({
@@ -20,7 +19,7 @@ import { BehaviorModule } from '../behavior/behavior.module';
     BehaviorModule,
   ],
   controllers: [PeopleController, CompaniesController],
-  providers: [PeopleService, CompaniesService, ContactsExcelService, SmsService],
+  providers: [PeopleService, CompaniesService, ContactsExcelService],
   exports: [PeopleService, CompaniesService],
 })
 export class ContactsModule {}