Populate paymentParams with actual data from database

- Updated ViewLocationCard to accept userSettings prop
- Replaced all hardcoded payment values with dynamic data:
  * Amount calculated from monthly expenses
  * Payer info from tenant fields (name, street, town)
  * Recipient info from userSettings (name, street, town, IBAN)
  * Reference number and description generated from location data
- Created getUserSettingsByUserId function for fetching owner settings on public pages
- Updated LocationViewPage to fetch and pass userSettings to ViewLocationCard

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude <noreply@anthropic.com>

app/[locale]/share/location/[id]/LocationViewPage.tsx

@@ -1,5 +1,6 @@
 import { ViewLocationCard } from '@/app/ui/ViewLocationCard';
 import { fetchLocationById, setSeenByTenant } from '@/app/lib/actions/locationActions';
+import { getUserSettingsByUserId } from '@/app/lib/actions/userSettingsActions';
 import { notFound } from 'next/navigation';
 import { myAuth } from '@/app/lib/auth';
 
@@ -10,14 +11,17 @@ export default async function LocationViewPage({ locationId }: { locationId:stri
         return(notFound());
     }
 
+    // Fetch user settings for the location owner
+    const userSettings = await getUserSettingsByUserId(location.userId);
+
     // Check if the page was accessed by an authenticated user who is the owner
     const session = await myAuth();
     const isOwner = session?.user?.id === location.userId;
-  
+
     // If the page is not visited by the owner, mark it as seen by tenant
     if (!isOwner) {
         await setSeenByTenant(locationId);
     }
 
-    return (<ViewLocationCard location={location} />);
+    return (<ViewLocationCard location={location} userSettings={userSettings} />);
 }