Add multi-tenant cloud mode: self-serve purchase, credit metering, core-decoupling

Introduces RECAP_MODE=multi alongside single-mode self-host:
- Tenant auth + accounts (magic-link via System SMTP), per-tenant credit pool,
  anonymous trial minting with per-IP/-64 caps
- Self-serve Pro/Max purchase: inline Lightning (BTCPay) + card (Zaprite),
  prepaid 30-day periods, expiry-reminder emails
- Core-decoupling: relay owns cloud tier/expiry keyed by Recaps user-id
- SQLite (better-sqlite3) schema for multi-mode; filesystem unchanged for single
- StartOS actions/versions through 0.2.155

startos/versions/v0.2.148.ts

@@ -0,0 +1,13 @@
+import { VersionInfo } from '@start9labs/start-sdk'
+
+export const v_0_2_148 = VersionInfo.of({
+  version: '0.2.148:0',
+  releaseNotes: {
+    en_US:
+      'Fixes + polish. (1) Removes a phantom "Invalid Date · undefined topics" library entry introduced by the 0.2.147 subscription migration — the migrated subscription state files were being listed as if they were recaps; they\'re now correctly excluded from the library (and from library export). Your real recaps were never affected. (2) The operator Tenants panel hides the per-user "Tier" control on instances that don\'t hold the relay operator key, since setting a relay-owned tier only works on the operator\'s own instance. (3) The Settings panel no longer jumps back to the top or flashes when you edit a tenant (e.g. set a tier).',
+  },
+  migrations: {
+    up: async ({ effects }) => {},
+    down: async ({ effects }) => {},
+  },
+})