feat: implement payout system database schema and models

app/models/user.rb

@@ -23,6 +23,7 @@ class User < ApplicationRecord
   has_many :events, dependent: :destroy
   has_many :tickets, dependent: :destroy
   has_many :orders, dependent: :destroy
+  has_many :earnings, dependent: :destroy
 
   # Validations - allow reasonable name lengths
   validates :last_name,   length: { minimum: 2, maximum: 50, allow_blank: true }
@@ -48,4 +49,21 @@ class User < ApplicationRecord
     # Alias for can_manage_events? to make views more semantic
     can_manage_events?
   end
+
+  def name
+    [ first_name, last_name ].compact.join(" ").strip
+  end
+
+  # Stripe Connect methods
+  def stripe_account_id
+    stripe_connected_account_id
+  end
+
+  def has_stripe_account?
+    stripe_connected_account_id.present?
+  end
+
+  def can_receive_payouts?
+    has_stripe_account? && promoter?
+  end
 end