Handle bank institution health appropriately.

[elliotcourant]

Call /institution/get_by_id to check the status / health of an Item's associated institution before making a product endpoint call, and implement retry logic or error handling as necessary if the institution is down.

[elliotcourant]

Plaid has more than {large number here} bank institutions. Even filtering by only US and [transaction] institutions there are thousands.

It does not make sense at all to track the health of all of these institutions. I would want to build a system that only checks for the details of the institutions that our end users are actually using and tries to reduce duplicate requests as much as possible.

We should maybe cache a lot of this data in redis as well?