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>

lib/dashboard/expenses/installment-analysis.ts

@@ -127,9 +127,9 @@ export async function fetchInstallmentAnalysis(
 		};
 
 		if (seriesMap.has(row.seriesId)) {
-			const group = seriesMap.get(row.seriesId)!;
-			group.pendingInstallments.push(installmentDetail);
-			group.totalPendingAmount += amount;
+			const group = seriesMap.get(row.seriesId);
+			group?.pendingInstallments.push(installmentDetail);
+			if (group) group.totalPendingAmount += amount;
 		} else {
 			seriesMap.set(row.seriesId, {
 				seriesId: row.seriesId,