Help wanted: instantiating tables from templates

I want to instantiate new tables/entities from template tables. I don't know how.

Specifically, I want to have an entity that looks like an accounting general ledger table. Right now I'm looking at a pair of tables, a standard master/detail listing. One table is a list of the individual lines affecting the accounts, with a foreign transaction PK; the other contains the transactions.

What I want to do, however, is to have all of the information for different accounts located in different database tables.

And, since any transaction will reference transactions in another table, that means that I'm going to need to identify by (foreign) PK both the table and the transaction in that table (To indicate both a debit from one account, and a credit to the other).

I know that there was prior discussion where someone said they were going to write up generalized "encoding table in PK" code for use, but I never saw any "It's done, get it here" message.

So, two (or three) questions:
1. Was any generalized "encode table in PK" support code done and released? If not, can someone give me a URL for the "Here's the details on how to do it, but you'll need to customize it for your application" page,

2. Given an entity that lists "transaction #X has entries in these tables" (one to many), and a template for the detail tables, how do I instantiate that detail table for Postage, Bank, Rent, PayrollLiabilities, etc., and add new tables at runtime (including creating new tables at the user's request),

3. The goal of this is, that by seperating out the individual accounts into seperate tables, a single table could be used as an account by different sets of books -- say an individual with two schedule C businesses, and a personal set of books, will have three different sets of books that are accessing the same bank account (just as one example -- two that have owner's draws going out as an expense, and the third that has it as an assent account.) Can anyone think of a better idea for organizing this?

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