refactor: harden sqlite runtime and packaged startup flow

- refine config loading with --config and current-directory .env

- improve sqlite busy handling and runtime DB tuning

- restore telegram payment notification and wallet input flow

- add behavior-based config and callback recovery tests

.gitignore

@@ -1,5 +1,8 @@
 .idea/
 src/runtime/
 src/.env
+src/*.db
+src/*.db-shm
+src/*.db-wal
 .DS_Store
-.env
+.env