feat: multi-usuário com autenticação JWT

- Tabela `profiles` + coluna `profile_id` em todas as entidades
  (categories, transactions, recurring_expenses, accounts, player_profile,
   xp_events, player_quests, player_achievements, player_cosmetics)
- Dados existentes migrados para profile_id = 1 (Manoel)
- CLI `./api create-user --name <n> --password <p>` cria perfil com
  seed de categorias e player_profile; faz upsert de senha se já existir
- Auth substituída: cookie+APP_PASSWORD → JWT Bearer 24h (HS256)
- Middleware RequireAuth injeta profile_id no context de todas as rotas
- Todos os repositórios filtram por profile_id do context
- Endpoints: POST /api/auth/login, GET /api/auth/me,
  POST /api/auth/change-password, POST /api/logout
- Frontend: auth store usa localStorage (fc_token/fc_profile),
  api.ts envia Authorization header, LoginView usa campo name
- SettingsView reescrita com troca de senha e logout
- docker-compose.yml: remove APP_USERNAME/APP_PASSWORD, adiciona JWT_SECRET

Co-Authored-By: Claude Sonnet 4.6 <[email protected]>

apps/api/go.sum

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+github.com/golang-jwt/jwt/v5 v5.3.1 h1:kYf81DTWFe7t+1VvL7eS+jKFVWaUnK9cB1qbwn63YCY=
+github.com/golang-jwt/jwt/v5 v5.3.1/go.mod h1:fxCRLWMO43lRc8nhHWY6LGqRcf+1gQWArsqaEUEa5bE=
 github.com/jackc/pgpassfile v1.0.0 h1:/6Hmqy13Ss2zCq62VdNG8tM1wchn8zjSGOBJ6icpsIM=
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