Set up triggers to automatically deactivate user when negative balance

[gordonpn]

Requirements

• When a user's balance is negative, set the startSufferingDate
• When the user's balance is positive again, set the startSufferingDate to null
• Show the startSufferingDate on the user's dashboard when they log in along with the frozen notification and negative balance
• At login, if the startSufferingDate is more than 1 year, then set isActive to false and return user to login with error