refactor(db): replace legacy fixture seed

docs/runbooks/dev-reset.md

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+# Development Reset
+
+## Warning
+
+This workflow is destructive for development data. Do not use it against any database you care about.
+
+## Fixture refresh
+
+`bun run db:seed` replaces the committed fixture household with a fresh multi-household-compatible dataset.
+
+Use it when:
+
+- you want current demo data without wiping the entire database
+- you only need the seeded fixture household reset
+
+## Full dev reset
+
+Use a disposable local or dev database only.
+
+Recommended flow:
+
+1. point `DATABASE_URL` at a disposable database
+2. recreate the database or reset the schema using your database host tooling
+3. run `bun run db:migrate`
+4. run `bun run db:seed`
+
+## Notes
+
+- The committed seed reflects the current product model: multi-household setup, GEL settlement, USD-denominated rent with locked FX, topic bindings, utility categories, and payment confirmations.
+- If you need historical or household-specific fixtures, create them as separate scripts instead of editing old migrations or mutating the default seed ad hoc.