1. Transfer & Divorce now block completion if source member has debts
   (extracted DebtCheckService from WaiverProcessor to shared service)
2. MemberNumberGenerator retries on UNIQUE constraint race (3 attempts)
3. Acquired member detection uses direct members.transferred_from_* columns
   instead of fragile 4-table query with exception swallowing
4. Waiver auto-complete moved to cron job (unblocks cashier HTTP response)
5. Reconcile on profile view now flashes warning when status changes

Also deletes all 77 outdated architecture maps per request.
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>