DatabaseSeeder now uses Academy::first() — never creates duplicates. If
the wizard already created an academy, the seeder respects it and just
ensures the env-var admin user is super_admin on that academy.

FinancialAccountsSeeder no longer has a hardcoded 'el-captain' fallback;
it skips gracefully if no academy exists yet.
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>