Refactored more functions to become methods of objects
Encapsulated states collection as a private member of a States object with public access methods
Encapsulated PriceAndOpenInterestHistory collection as a private member of an object with public access methods
Encapsulated PayoffByUserByState collection as a private member of an object with public access methods
Encapsulated BalanceByUser collection as a private member of an object with public access methods
Encapsulated Transactions collection as a private member of an object with public access methods