I personally would drop the the HABTM. Instead I would use has_many :though=>
You would need to create two new models, account_users, and account_billers. You likely already have join tables for the HABTM, but this will expose them as models so they will need ID fields.
So you would end up with something like the following:
class Account < ActiveRecord::Base
has_many :account_billers
has_many :account_users
has_many :billers, :through=> :account_billers
has_many :users, :through=> :account_users
end
class User < ActiveRecord::Base
has_many :account_users
has_many :accounts, :through=>:account_users
validates :accounts, :length => { :minimum => 1}
end
class Biller < ActiveRecord::Base
has_many :account_billers
has_many :accounts, :through=>:account_billers
validates :accounts, :length => { :minimum => 1}
end
class AccountUser < ActiveRecord::Base
belongs_to :user
belongs_to :account
end
class AccountBiller < ActiveRecord::Base
belongs_to :biller
belongs_to :account
end