## Summary
- add month-end command to revoke old Enable Banking sessions for users
without a paid plan while keeping their linked accounts as manual
accounts
- extract banking disconnect flow into a reusable action so manual
disconnects and scheduled cleanup share same revoke and detach behavior
- add feature coverage for free-user cleanup, paid-user skips,
under-6-hour skips, non-Enable Banking skips, and revoke failure
fallback
## Testing
- vendor/bin/pint --dirty --format agent
- php artisan test --compact
tests/Feature/CancelFreeEnableBankingConnectionsCommandTest.php
tests/Feature/OpenBanking/ConnectionControllerTest.php
2f583c0113