Retrieves a list of all accounts accessible to the authenticated user.

This endpoint provides an overview of all accounts associated with the user,
including main accounts and client-facing ones. The response includes basic information
for each account, such as ID, referral code, status, and timestamps.

Take into account the many-to-many relationship across accounts and identifications,
supporting both multi-account and family account systems. This will give a comprehensive
view of the user's account structure and can be enriched via includes for a full dashboard.