fix: Implement proper GoCardless authentication and add dev features

Authentication Fixes:
- Implement proper async GoCardless token management in leggend service
- Add automatic token refresh and creation for expired/missing tokens
- Unify auth.json storage path between CLI and API (~/.config/leggen/)
- Fix 401 Unauthorized errors when accessing GoCardless API

Development Enhancements:
- Add --reload flag to leggend for automatic file watching and restart
- Add --host and --port options for flexible service binding
- Include both leggend/ and leggen/ directories in reload watching
- Improve development workflow with hot reloading

Configuration Consistency:
- Standardize config path to ~/.config/leggen/config.toml for both CLI and API
- Ensure auth.json is stored in same location as main config
- Add httpx dependency for async HTTP requests in leggend service

Verified working: leggen status command successfully authenticates
and retrieves bank/account data via leggend API service.

🤖 Generated with [Claude Code](https://claude.ai/code)

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

leggen/main.py

@@ -78,7 +78,7 @@ class Group(click.Group):
     "-c",
     "--config",
     type=click.Path(dir_okay=False),
-    default=click.get_app_dir("leggen") / Path("config.toml"),
+    default=Path.home() / ".config" / "leggen" / "config.toml",
     show_default=True,
     callback=load_config,
     is_eager=True,

leggen/utils/auth.py

@@ -28,7 +28,7 @@ def get_token(ctx: click.Context) -> str:
     """
     Get the token from the auth file or request a new one
     """
-    auth_file = click.get_app_dir("leggen") / Path("auth.json")
+    auth_file = Path.home() / ".config" / "leggen" / "auth.json"
     if auth_file.exists():
         with click.open_file(str(auth_file), "r") as f:
             auth = json.load(f)
@@ -54,8 +54,9 @@ def get_token(ctx: click.Context) -> str:
 
 
 def save_auth(d: dict):
-    Path.mkdir(Path(click.get_app_dir("leggen")), exist_ok=True)
-    auth_file = click.get_app_dir("leggen") / Path("auth.json")
+    auth_dir = Path.home() / ".config" / "leggen"
+    auth_dir.mkdir(parents=True, exist_ok=True)
+    auth_file = auth_dir / "auth.json"
 
     with click.open_file(str(auth_file), "w") as f:
         json.dump(d, f)