[Order] Large redesign of how orders are processed. Created an OrderPlacementService to handle both the creation of users (via the clientele) and the creation and association of offers to those users. It didnt makes sense to perform this in a user or offer focused class
[Payment] Created payment class, attaching it to a user. This required a PaymentService
[UserBalance] Created UserBalance class. It currently sums information from User for its data