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/internal/testutil/testdb.go

@@ -7,8 +7,10 @@ import (
 	"github.com/assimon/luuu/config"
 	"github.com/assimon/luuu/model/dao"
 	"github.com/assimon/luuu/model/mdb"
+	appLog "github.com/assimon/luuu/util/log"
 	"github.com/libtnb/sqlite"
 	"github.com/spf13/viper"
+	"go.uber.org/zap"
 	"gorm.io/gorm"
 	"gorm.io/gorm/logger"
 	"gorm.io/gorm/schema"
@@ -27,8 +29,11 @@ func SetupTestDatabases(t testing.TB) func() {
 	viper.Set("queue_poll_interval_ms", 50)
 	viper.Set("api_auth_token", "test-token")
 
-	config.AppDebug = false
+	config.HTTPAccessLog = false
+	config.SQLDebug = false
+	config.LogLevel = "error"
 	config.UsdtRate = 0
+	appLog.Sugar = zap.NewNop().Sugar()
 
 	mainDB := mustOpenSQLite(t, filepath.Join(t.TempDir(), "main.db"))
 	runtimeDB := mustOpenSQLite(t, filepath.Join(t.TempDir(), "runtime.db"))