fix: corrigir tipos e eliminar non-null assertions

Substitui non-null assertions (!) por type assertions ou optional
chaining com guards. Troca any por unknown/tipos explícitos.

- drizzle.config: DATABASE_URL! → as string
- use-form-state: Record<string, any> → Record<string, unknown>
- actions: catch (e: any) → catch (e), model tipado explicitamente
- pagadores/data: row: any → Record<string, unknown>
- note-dialog: result tipado explicitamente
- bulk-import: payload as any removido
- Map.get()! → optional chaining + guards em relatórios e dashboard

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

app/(dashboard)/insights/actions.ts

@@ -599,7 +599,7 @@ export async function generateInsightsAction(
 		const aggregatedData = await aggregateMonthData(user.id, period);
 
 		// Selecionar provider
-		let model;
+		let model: ReturnType<typeof google>;
 
 		// Se o modelo tem "/" é OpenRouter (formato: provider/model)
 		if (isOpenRouterFormat && !selectedModel) {