Added new settings rules and fallback to habibot

Added:
Load /cache/default.cfg for all new accounts added
Create a file /cache/username.cfg for each account addeds
settings/memory
Fall back to habibot if nothing to do
Auto sdb every hour (soon to be every x minutes)
Auto filter any sdb items based on a text file , items can be set to be
sent to shop
If user has no shop then create one
Added check to above to prevent a never ending loop