Can AI replace Splitwise?

Build a self-hosted group expense splitter: a single web app, no user accounts.

Stack: Node 22, Express, better-sqlite3, server-rendered EJS, htmx for interactivity. No build step, no SPA framework.

Features:
- Groups are created with one click and live at an unguessable URL (nanoid, 21 chars). The link is the auth model; say so plainly in the README.
- Members are names typed into the group, nothing more.
- Expenses: payer, amount, currency, date, note, category, and a split that can be equal, exact amounts, percentages, or shares.
- A balances view per group: each member's net position, plus a settle-up plan computed with minimum cash flow debt simplification.
- Reimbursements logged as a special expense type.
- Multi-currency: amounts stored in their own currency; a per-group manual rate table converts to the group's base currency. No external rate API.
- Edit and delete with a simple activity log.
- Export any group as CSV and JSON.

Storage: one SQLite file at ./data/app.db; path via .env. Ship a Dockerfile, a docker-compose.yml, and a README covering backups and reverse-proxy setup.

Out of scope, deliberately: accounts and OAuth, push notifications, receipt scanning, live exchange rates, payment integrations, native mobile apps. A PWA manifest so it installs to a home screen is the only concession.