[Bug]: Rule with payee is "nothing" never matching

### Verified issue does not already exist?

- [x] I have searched and found no existing issue

### What happened?

My rules are not applying automatically when I sync new transactions. I have to manually go through each rule and apply them.
Am I missing something ? They should not apply automatically?

### How can we reproduce the issue?

How can we reproduce the issue?
Here's an example. Not sure if rules apply automatically only if using payees. In my case, the payees come as notes (using pluggy).
I tried all 3 stages.

### Where are you hosting Actual?

Docker

### What browsers are you seeing the problem on?

Firefox

### Operating System

Windows 11