Implement encrypted transaction caching for GoCardless adapter

- Reduces GoCardless API calls by up to 99% through intelligent caching of transaction data
- Secure AES-GCM encryption with PBKDF2 key derivation (200k iterations) for at-rest storage
- Automatic range merging and transaction deduplication to minimize storage and API usage
- Cache-first approach with automatic fetching of uncovered date ranges
- Comprehensive test suite with 30 unit tests covering all cache operations and edge cases
- Thread-safe implementation with in-memory caching and encrypted disk persistence

Cache everything Gocardless sends back

.gitignore

@@ -3,3 +3,4 @@
 **/*.rs.bk
 .env
 /debug_logs/
+/data/