After the sanitize_payload order fix, account_id was being re-injected
into data_to_insert for models that explicitly list account_id in
fields_to_exclude_from_db (e.g. event_badge, event_device). Those tables
have no account_id column, causing INSERT failures.
Guard the post-sanitize account_id injection in both api_crud_v3.py and
api_crud_v3_nested.py by checking fields_to_exclude_from_db first.
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>