R1:ab4743b216f2

Improve Phortune policy behavior

Summary:
Currently, PhortuneAccounts have a very open default policy to allow merchants to see and interact with them.

This has the undesirable side effect of leaking their names in too many places, because all users are allowed to load the handles for the accounts. Although this information is not super sensitive, we shouldn't expose it.

I went through about 5 really messy diffs trying to fix this. It's very complicated because there are a lot of objects and many of…