missing check that funder is not the recipient in _create()
a user can make mistakes while setting any of the params, thats why we do multiple checks in different places like here and here
but the function doesn't ever check if the recipient != msg.sender
which may happen by mistake cause no protocol owner ever want to airdrop his wallet from his deducted balance
unintended behavior and forced waiting lock period to retrieve funds
manual review
add a requirement that funder != receiver
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