Crowdmatching system runs on autopilot

"Automatic: crowdmatches, notification emails to patrons, charge patrons when their balance is high enough, suspend them if the card bounces, etc."

There is a chicken and egg problem:

• We don't want to charge our first co-op members until we're ready to offer them co-op membership.
• We don't want to reach out to them and get a bunch of attention before the platform is reasonably functional (everything in this milestone).

To resolve this, we're going to get the platform functional/running automatically, but add a toggle for each patron so only enabled patrons will be charged, receive emails, etc. This will allow us to onboard them and immediately activate them, instead of onboarding and then asking them to wait a long time (and maybe lose interest) while we get the platform running on autopilot.

Technically: We'll also take steps towards supporting multiple projects, pledge levels, and goals, so that we can add external projects soon afterward (we don't want that to take a long time, for the same reason).