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/model/dao/mdb_postgres.go

@@ -40,7 +40,7 @@ func PostgreSQLInit() error {
 		return err
 	}
 
-	if config.AppDebug {
+	if config.SQLDebug {
 		Mdb = Mdb.Debug()
 	}
 	sqlDB, err := Mdb.DB()