Feat/reporting family spending report

[Jumongweb]

closes #782
closes #783

Implemented the family-spending path end to end.
In reporting/src/lib.rs, FamilySpendingReport now includes a per-member breakdown and report-level DataAvailability, plus a new get_family_spending_report endpoint that:
pages member addresses from the configured family_wallet
fetches each member’s SpendingTracker
dedupes members defensively
marks Complete, Partial, or Missing without hard-failing on dependency issues
clamps overflow safely with saturating_add after a checked_add failure
To support that production path, family_wallet/src/lib.rs now exposes a read-only paginated get_member_addresses_page view. I also added focused coverage in reporting/src/tests.rs for complete, partial, missing, zero-member, overflow, and auth behavior, plus a short note in docs/reporting-family-spending.md.
Verification: cargo test -p reporting family_spending -- --nocapture passes. cargo fmt --all ran cleanly. cargo clippy -p reporting --lib --tests -- -D warnings still fails, but on pre-existing issues in reporting/tests/gas_bench.rs unrelated to this feature (unused import and too_many_arguments).

Added the bootstrap-guard suite in insurance/src/test.rs, wired it into insurance/src/lib.rs, and documented the behavior in docs/insurance-bootstrap-guards.md.
The contract now also matches the requested safe pre-init read behavior: get_policy returns None, get_active_policies returns an empty page, and get_total_monthly_premium returns 0 before init. The tests cover single-shot init, pre-init rejection for every mutator, current init auth behavior, and post-init owner-only privilege enforcement.
Verification:
cargo test -p insurance --lib -- --nocapture passed
cargo clippy -p insurance --lib -- -D warnings passed
I also checked the package-wide command. cargo test -p insurance -- --nocapture is still failing, but from pre-existing stale integration tests under insurance/tests/ that reference APIs and constants this contract no longer exposes, not from the new bootstrap work.

[Baskarayelu]

merged the FamilySpendingReport aggregation - rebased onto main and favored the already-merged reporting changes where they overlapped, so a couple of the bundled bits may want a small follow-up. good feature work @Jumongweb 👍