add personalization settings

lib/account_configs.rb

@@ -0,0 +1,10 @@
+# frozen_string_literal: true
+
+module AccountConfigs
+  module_function
+
+  def find_or_initialize_for_key(account, key)
+    account.account_configs.find_by(key:) ||
+      account.account_configs.new(key:, value: AccountConfig::DEFAULT_VALUES[key])
+  end
+end