break out creating a verification into its own model
add method to fetch the verification from balanced api
add ability to fetch bank account verification by having the Verification class inherit from Balanced::BankAccountVerification
remove verification method from subscription

Before we were having subscription fetch the verification from the balanced api. This caused the subscription to be doing more work than intented. Now we can use the built in Verification::fetch instead.
move verification confirmation process to the verification model and controller

Before, confirming a verification was being handled as an update action on a subscription model. Now the form the enter is rendered through VerificationsController:edit and patches to VerificationsController:update. All the appropriate routes. Also the added benenfit of not having to rely on callbacks in the subscription model, making subscription instances much easier to work with.
add authentication to subscription, verification, and user controllers
clean up routes and controllers by removing unneccessary actions
remove commented out confirm_verification method from Subscription
remove no longer needed subscription edit view
fix merge conflicts with master branch
remove commented out spec from subscription pages spec
clean failing spec, uncomment and make pending
switch from helper methods to factories
move all logic for verification in the model
add errors to model if verification fails
always pass subscription to verification, never user
add errors to verification model