fix(concurrency): guard 20+ race conditions across getOrCreate, balance updates, and view permissions #1018

Job	Run time
compile	5m 35s
test (3, v6 + v2_x, code.api.v6_0_0 code.api.v2_1_0 code.api.v2_2_0 code.api.v2_0_0)	3m 17s
test (6, v7 + http4sbridge + UKOpenBanking, code.api.v7_0_0 code.api.http4sbridge code.api.UKOpen...	2m 33s
test (2, v1_2_1 only (largest unsplittable suite, isolated), code.api.v1_2_1)	4m 30s
test (4, v5_1 + v5_0 + v3_0, code.api.v5_1_0 code.api.v5_0_0 code.api.v3_0_0)	2m 51s
test (1, v4 only (bottleneck pkg), code.api.v4_0_0)	4m 28s
test (8, connector + auth + login + mgmt + metrics + remaining (catch-all), code.connector code.u...	1m 55s
test (5, ResourceDocs + v3_1 + v1_4 + v1_3, code.api.ResourceDocs1_4_0 code.api.v3_1_0 code.api.v...	3m 26s
test (7, model + views + customer + util + small data + berlin, code.model code.views code.custom...	2m 6s
report	6s
	30m 47s

Provide feedback