## 🚪 Why?
### Problem
Privacy mode — which masks financial amounts so users can share their
screen without leaking account balances — was previously gated behind an
admin-only check. Regular users had no way to toggle it from the UI.
Additionally, several places in the app (chart tooltips, budget pages)
were rendering raw amounts via \`formatCurrency\` directly, bypassing
the privacy mode check entirely.
## 🔑 What?
### Changes
- Remove the \`isAdmin()\` guard from the privacy mode toggle in the
user menu, making it available to all users
- Mask digits with \`*\` in \`AmountDisplay\` when privacy mode is
enabled (e.g. \`$1,234.56\` → \`$*,***.**\`)
- Apply the same digit masking to the net worth chart tooltip totals in
\`chart.tsx\` (both single-currency and multi-currency paths)
- Replace raw \`formatCurrency\` calls with \`AmountDisplay\` in
\`budget-list-card.tsx\` (spent, allocated, remaining)
- Add a \`maskIfPrivate\` helper in \`budget-spending-chart.tsx\`
CustomTooltip to mask allocated, spent, last period, and available
amounts when privacy mode is active
## ✅ Verification
<img width="1858" height="1193" alt="image"
src="https://github.com/user-attachments/assets/ec734841-c5cb-44e9-a9f5-ddee7a53a78c"
/>
<img width="1255" height="762" alt="image"
src="https://github.com/user-attachments/assets/b1b93615-41a0-4e8d-8dea-7b27e227181c"
/>
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