Amend documentation

Author: sergeyklay

lib/services/AutoPayService.ts

@@ -24,8 +24,10 @@ interface AutoPayResult {
  * 1. Creating a transaction record (audit trail)
  * 2. Advancing the bill to its next due date
  *
+ * This service only marks payments as paid locally - no actual payment is made by the system.
  * This preserves the "Active Payer" philosophy because the user
- * consciously enabled auto-pay—it's a deliberate delegation.
+ * consciously enabled auto-pay—it's a deliberate delegation and reducing manual bookkeeping for
+ * externally-automated bills.
  */
 export const AutoPayService = {
   /**