AscendTrade Payment Methods Manager Hotfix

Purpose:
- Adds dynamic Add, Edit/Rename, and Delete actions to the existing Admin > Settings > Payment Methods section.
- Keeps the existing withdrawal_methods table and Stage 1 deposit_enabled column.
- Lets admin independently enable each saved method for deposits and withdrawals.
- Prevents deletion of a method that appears in existing deposits or withdrawals, to preserve transaction history.
- Does not modify investment, interest, principal, wallet, or payout processing code.

Install:
1. Back up the current admin/settings.php from cPanel.
2. Confirm Stage 1 migration migrations/012_payment_method_directions.sql has already been applied. This file expects withdrawal_methods.deposit_enabled and a UNIQUE index on withdrawal_methods.name.
3. Upload admin/settings.php from this ZIP to the existing AscendTrade admin/ directory, replacing that file only.
4. Open Admin > Settings > Payment Methods.
5. Add a method. New methods start disabled for both directions; then tick Deposit and/or Withdrawal and click Save Deposit / Withdrawal Availability.
6. To rename or delete, click Edit / Delete for that method. Existing methods used in deposit/withdrawal history cannot be deleted; disable them instead.
7. Test with a member account and refresh the Deposit and Account Settings pages.

Notes:
- Renaming a method affects its future dropdown label, but existing transaction rows retain their stored historical method string.
- This patch was syntax-checked with PHP CLI. It has not been tested against the live database.
- Do not run migration 012 again if it has already been applied.
