If I have a has_and_belongs_to_many relationship between two models, let’s say Users and Accounts, can I require that a User have at least one Account, and how?
Also, using the has_and_belongs_to_many relationship, is it possible for an Account not to have a User?
What I need is a relationship where Accounts can live on their own, and belong to Billers, but they can also belong to Users if a User signed up with one. Is this possible, and how?
I personally would drop the the HABTM. Instead I would use
has_many :though=>You would need to create two new models, account_users, and account_billers. You likely already have join tables for the HABTM, but this will expose them as models so they will need ID fields.
So you would end up with something like the following: