diff --git a/app/modules/expense/db.py b/app/modules/expense/db.py
index d83433e..f1f4424 100644
--- a/app/modules/expense/db.py
+++ b/app/modules/expense/db.py
@@ -20,27 +20,17 @@ from psycopg_pool import ConnectionPool
 
 from .store import CATEGORIES, METHODS, STATUSES
 
-_DDL = """
-CREATE TABLE IF NOT EXISTS expense_items (
-    id           TEXT        PRIMARY KEY,
-    owner        TEXT        NOT NULL,
-    spent_at     DATE        NOT NULL,
-    category     TEXT        NOT NULL,
-    method       TEXT        NOT NULL,
-    merchant     TEXT        NOT NULL DEFAULT '',
-    amount       BIGINT      NOT NULL DEFAULT 0 CHECK (amount >= 0),
-    memo         TEXT        NOT NULL DEFAULT '',
-    status       TEXT        NOT NULL DEFAULT '작성중',
-    created_at   TIMESTAMPTZ NOT NULL DEFAULT now(),
-    updated_at   TIMESTAMPTZ NOT NULL DEFAULT now()
-);
-CREATE INDEX IF NOT EXISTS idx_expense_owner_spent ON expense_items (owner, spent_at DESC);
-CREATE INDEX IF NOT EXISTS idx_expense_status      ON expense_items (status);
-"""
-
 
 class ExpenseDBStore:
-    """`ExpenseStore` 와 동일한 메서드 시그니처."""
+    """`ExpenseStore` 와 동일한 메서드 시그니처.
+
+    스키마(테이블/인덱스/트리거)는 앱이 직접 만들지 않는다.
+    `scripts/sql/expense_db_init.sql` 과 `expense_db_002_*.sql` 을 통해
+    superuser 가 사전 적용한다. 앱 계정(expense_app)은 SELECT/INSERT/UPDATE/DELETE
+    권한만 받기 때문에 PostgreSQL 15+ 의 strict public-schema 정책과 충돌하지 않음.
+
+    연결 풀은 lazy open — 부팅 시점에 DB 가 잠시 끊겨도 컨테이너가 죽지 않게.
+    """
 
     def __init__(self, dsn: str, *, min_size: int = 1, max_size: int = 5):
         self._pool = ConnectionPool(
@@ -48,17 +38,13 @@ class ExpenseDBStore:
             min_size=min_size,
             max_size=max_size,
             kwargs={"row_factory": dict_row, "autocommit": True},
-            open=True,
+            open=False,
         )
-        self._ensure_schema()
+        self._pool.open(wait=False)
 
     def close(self) -> None:
         self._pool.close()
 
-    def _ensure_schema(self) -> None:
-        with self._pool.connection() as conn:
-            conn.execute(_DDL)
-
     # ── 조회 ──
     def list_for(self, email: str) -> list[dict[str, Any]]:
         email = email.lower().strip()