feat: Account initialization

- discord: /answer now DM-s user and updated user balance

discord/src/account.rs

@@ -0,0 +1,12 @@
+use squad_quest::{account::Account, config::Config};
+
+pub fn fetch_or_init_account(conf: &Config, id: String) -> Account {
+    let accounts = conf.load_accounts();
+    match accounts.iter().find(|a| a.id == id) {
+        Some(a) => a.clone(),
+        None => Account {
+            id,
+            ..Default::default()
+        },
+    }
+}