[Bug] AskUserQuestion tool skips questions and proceeds with default/blank answers

Bug Description
AskUserQuestion tool skip questions and move to the next step using default answer or takes no answer as a blank answer and does odds things.

Phase 2: Foundation, Auth, and Import Domain: Family members can log in and see their household's imported transactions in a clean, filterable list
We'll clarify HOW to implement this. New capabilities belong in other phases.

Carrying forward from earlier decisions:

• Django config package named config/ (not budget/)
• HouseholdRequiredMixin before any data view — prevents IDOR vulnerability
• Polars DataFrames must not leave service layer — returns list[dict] to views
• infer_schema_length=0 for reading all columns as Utf8
• Bank CSV format fully documented (semicolon-delimited, UTF-8+BOM, French headers, DD/MM/YYYY)

● User answered Claude's questions:
⎿
● Great, all four areas selected. Let's work through them one at a time.
--- Let's talk about CSV upload experience.
● User answered Claude's questions:
⎿
● Simple form upload — good, keeps things clean with HTMX.
● User answer…
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