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/lib/actions/userSettingsActions.ts

@@ -123,6 +123,21 @@ export const getUserSettings = withUser(async (user: AuthenticatedUser) => {
     return userSettings;
 });
 
+/**
+ * Get user settings by userId (without authentication)
+ * Used for public/shared pages where we need to display owner's payment information
+ */
+export const getUserSettingsByUserId = async (userId: string): Promise<UserSettings | null> => {
+    noStore();
+
+    const dbClient = await getDbClient();
+
+    const userSettings = await dbClient.collection<UserSettings>("userSettings")
+        .findOne({ userId });
+
+    return userSettings;
+};
+
 /**
  * Update user settings
  */