feat(api): local-password authentication backend

Add username+password login for Owner/Operator staff accounts on
op.console, the primary web login when Zero Trust is not in front of the
API. Three handlers form the whole surface: login mints a server-side
session cookie, logout revokes it idempotently, and change-password
re-verifies the current password before rotating the hash and clearing
must_change_password.

- Session cookies are HttpOnly+Secure+SameSite=Lax, host-only, stored
  server-side as a SHA-256 hash with a 12h TTL.
- Login is anti-enumeration: every failure runs a uniform bcrypt compare
  against a dummy hash and returns the same vague error.
- Credential-bearing writes require Content-Type: application/json,
  returning 415 otherwise, to close the cross-site form-POST forgery
  vector as a belt to the SameSite cookie.
- Local auth fails closed: login is rejected unless local_auth_enabled
  is set, so a Zero-Trust-only deployment never accepts a local password.
- Extend the users table with a nullable password_hash and
  must_change_password; staff are role=admin rows with a hash, players
  are role=user rows with hash NULL.
- /me now reports must_change_password so the panel can force a
  first-login change.

Covered by Go unit tests (handlers, content-type guard, anti-enumeration,
forced-change lockdown) and the OpenAPI route-parity gate.

go.sum

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