fix: address account valuation review findings

tests/test_import_provenance_policy.py

@@ -6,6 +6,7 @@ import sqlite3
 from pathlib import Path
 
 from jarca_ledger_mcp import service
+from jarca_ledger_mcp.infrastructure.sqlite import init_db
 from jarca_ledger_mcp.provenance_policy import (
     EXPOSURE_LEVEL_DEBUG_GATED,
     EXPOSURE_LEVEL_MINIMAL,
@@ -63,6 +64,7 @@ def test_preview_ledger_csv_import_redacts_full_path_and_raw_columns(tmp_path):
 
 def test_preview_and_import_kb_bank_pdf_sanitize_path_and_payload(monkeypatch, tmp_path):
     db_path = str(tmp_path / "ledger.sqlite3")
+    init_db(db_path)
     parsed = {
         "file_path": SECRET_SOURCE_PATH,
         "source_hash": SOURCE_HASH,
@@ -101,6 +103,7 @@ def test_preview_and_import_kb_bank_pdf_sanitize_path_and_payload(monkeypatch, t
 
 def test_preview_and_import_seoulpay_xlsx_sanitize_path_and_payload(monkeypatch, tmp_path):
     db_path = str(tmp_path / "ledger.sqlite3")
+    init_db(db_path)
     parsed = {
         "file_path": "/very/secret/home/alice/Documents/private/seoulpay.xlsx",
         "source_hash": SOURCE_HASH,
@@ -144,6 +147,7 @@ def test_preview_and_import_seoulpay_xlsx_sanitize_path_and_payload(monkeypatch,
 
 def test_preview_and_import_toss_bank_pdf_sanitize_path_and_payload(monkeypatch, tmp_path):
     db_path = str(tmp_path / "ledger.sqlite3")
+    init_db(db_path)
     parsed = {
         "file_path": SECRET_SOURCE_PATH,
         "source_hash": SOURCE_HASH,
@@ -184,6 +188,7 @@ def test_preview_and_import_toss_bank_pdf_sanitize_path_and_payload(monkeypatch,
 
 def test_preview_and_import_toss_securities_pdf_sanitize_path_and_payload(monkeypatch, tmp_path):
     db_path = str(tmp_path / "ledger.sqlite3")
+    init_db(db_path)
     parsed = {
         "file_path": SECRET_SOURCE_PATH,
         "source_hash": SOURCE_HASH,