User management endpoints ship; OAuth access simplified

• Pay-as-you-go customers can request Charles Schwab access via OAuth institutions page without support ticket.
• Trial plan customers get immediate access to all OAuth institutions.
• Added /user/products/terminate, /user/items/remove, and /sandbox/user/reset_login endpoints for user-based subscription/Item management.

For Plaid Check Consumer Report:

• /cra/check_report/income_insights/get now returns empty array instead of omitting income_streams when none exist.