Subpanel for One-To-Many

Hi. When I create a one-to-many relationship between two modules, isn’t it supposed to create a subpanel? For example, a user can have many accounts, so in accounts, i create a one-to-many relationship. I want a subpanel for accounts to display on user module. How am I supposed to go on about that?

Check here: Missing subpanels - #5 by EcoHomes