Create database design with requirement
An Account belongsTo a Person. A person can exist without an account.

If a Person hasOne Account, then Account's primary key should also be a foreign key to People.

create table people (
  person_id int primary key,
  meta1 text, 
  meta2 text
);

create table accounts (
  person_id int primary key references people(person_id) on delete cascade,
  meta1 text
);