fix architecture and write new tests

.env.example

@@ -4,7 +4,7 @@
 # ═══════════════════════════════════════════════════════════════
 
 # ─── Database ──────────────────────────────────────────────────
-DATABASE_URL="postgresql://postgres:24DY&1u5FLCkNMeiO_p@localhost:5432/rentaldrivego"
+DATABASE_URL=postgresql://placeholder:placeholder@placeholder:5432/placeholder
 
 # ─── API ───────────────────────────────────────────────────────
 API_PORT=4000
@@ -12,13 +12,13 @@ API_URL=http://localhost:4000
 NEXT_PUBLIC_API_URL=http://localhost:4000/api/v1
 
 # ─── JWT (Renter auth + Admin auth) ───────────────────────────
-JWT_SECRET=your-super-secret-jwt-key-change-in-production
+JWT_SECRET=placeholder
 JWT_EXPIRY=8h
 RENTER_JWT_EXPIRY=7d
 
 # ─── Clerk (Company employee auth) ────────────────────────────
 NEXT_PUBLIC_CLERK_PUBLISHABLE_KEY=pk_test_...
-CLERK_SECRET_KEY=sk_test_...
+CLERK_SECRET_KEY=placeholder
 CLERK_WEBHOOK_SECRET=whsec_...
 NEXT_PUBLIC_CLERK_SIGN_IN_URL=/sign-in
 NEXT_PUBLIC_CLERK_SIGN_UP_URL=/sign-up
@@ -28,14 +28,14 @@ NEXT_PUBLIC_CLERK_AFTER_SIGN_UP_URL=/onboarding
 # ─── AmanPay (Primary payment provider) ───────────────────────
 # RentalDriveGo's own AmanPay account (for collecting subscription fees)
 AMANPAY_MERCHANT_ID=your-amanpay-merchant-id
-AMANPAY_SECRET_KEY=your-amanpay-secret-key
+AMANPAY_SECRET_KEY=placeholder
 AMANPAY_BASE_URL=https://api.amanpay.net
-AMANPAY_WEBHOOK_SECRET=your-amanpay-webhook-secret
+AMANPAY_WEBHOOK_SECRET=placeholder
 
 # ─── PayPal (Secondary payment provider) ──────────────────────
 # RentalDriveGo's own PayPal account (for collecting subscription fees)
 PAYPAL_CLIENT_ID=your-paypal-client-id
-PAYPAL_CLIENT_SECRET=your-paypal-client-secret
+PAYPAL_CLIENT_SECRET=placeholder
 PAYPAL_BASE_URL=https://api-m.paypal.com
 # Use https://api-m.sandbox.paypal.com for sandbox
 NEXT_PUBLIC_PAYPAL_CLIENT_ID=your-paypal-client-id
@@ -43,23 +43,23 @@ NEXT_PUBLIC_PAYPAL_CLIENT_ID=your-paypal-client-id
 # ─── Cloudinary (Vehicle + brand photos) ──────────────────────
 CLOUDINARY_CLOUD_NAME=your-cloud-name
 CLOUDINARY_API_KEY=your-api-key
-CLOUDINARY_API_SECRET=your-api-secret
+CLOUDINARY_API_SECRET=placeholder
 NEXT_PUBLIC_CLOUDINARY_CLOUD_NAME=your-cloud-name
 
 # ─── Resend (Email) ────────────────────────────────────────────
-RESEND_API_KEY=re_...
+RESEND_API_KEY=placeholder
 EMAIL_FROM=rentaldrivego@gmail.com
 EMAIL_FROM_NAME=RentalDriveGo
 
 # ─── Twilio (SMS + WhatsApp) ───────────────────────────────────
 TWILIO_ACCOUNT_SID=AC...
-TWILIO_AUTH_TOKEN=your-twilio-auth-token
+TWILIO_AUTH_TOKEN=placeholder
 TWILIO_PHONE_NUMBER=+1234567890
 TWILIO_WHATSAPP_NUMBER=whatsapp:+14155238886
 
 # ─── Firebase (Push notifications) ───────────────────────────
 FIREBASE_PROJECT_ID=your-project-id
-FIREBASE_PRIVATE_KEY="-----BEGIN PRIVATE KEY-----\n...\n-----END PRIVATE KEY-----\n"
+FIREBASE_PRIVATE_KEY=placeholder
 FIREBASE_CLIENT_EMAIL=firebase-adminsdk@your-project.iam.gserviceaccount.com
 NEXT_PUBLIC_FIREBASE_API_KEY=your-firebase-api-key
 NEXT_PUBLIC_FIREBASE_AUTH_DOMAIN=your-project.firebaseapp.com
@@ -84,7 +84,7 @@ DASHBOARD_URL=http://localhost:3000/dashboard
 
 # ─── Admin seed (first SUPER_ADMIN created on db:seed) ────────
 ADMIN_SEED_EMAIL=admin@rentaldrivego.com
-ADMIN_SEED_PASSWORD=changeme123
+ADMIN_SEED_PASSWORD=placeholder
 ADMIN_SEED_FIRST_NAME=Super
 ADMIN_SEED_LAST_NAME=Admin