Fix Plaid initialiser

Author: sokie

config/initializers/plaid.rb

@@ -6,10 +6,16 @@
 
 # Load Plaid configuration from adapters after initialization
 Rails.application.config.after_initialize do
+  # Skip if database is not ready (e.g., during db:create)
+  next unless ActiveRecord::Base.connection.table_exists?("settings")
+
   # Ensure provider adapters are loaded
   Provider::Factory.ensure_adapters_loaded
 
   # Reload configurations from settings/ENV
   Provider::PlaidAdapter.reload_configuration      # US region
   Provider::PlaidEuAdapter.reload_configuration    # EU region
+rescue ActiveRecord::NoDatabaseError, PG::ConnectionBad
+  # Database doesn't exist yet, skip initialization
+  nil
 end