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

src/.env.example

@@ -1,6 +1,8 @@
 app_name=epusdt
 app_uri=https://dujiaoka.com
-app_debug=false
+log_level=info
+http_access_log=false
+sql_debug=false
 http_listen=:8000
 
 static_path=/static