feat: add messaging toggles, password reset SMS, and payment discounts

Allow SuperAdmin to disable SMS, email, and bot from dashboard settings on top of env flags. Add admin password reset with credentials SMS, plus payment discounts, notes, and payable amount handling.

.env.example

@@ -66,6 +66,8 @@ SMTP_PORT=2525
 SMTP_USER=your_smtp_user
 SMTP_PASS=your_smtp_password
 EMAIL_FROM=no-reply@institution.com
+# Channel kill switches. Dashboard settings must also be enabled for a channel to send.
+EMAIL_ENABLED=true
 
 # SMS Provider Configuration (sms.ir)
 SMS_ENABLED=false
@@ -75,6 +77,7 @@ SMS_SENDER_NUMBER=10001000
 
 # Bale Messenger Bot Token
 BALE_BOT_TOKEN=mock_bale_bot_token
+BOT_ENABLED=true
 
 # SuperAdmin bootstrap (created automatically in production)
 # Set SUPERADMIN_ENABLED=false to deactivate the bootstrap SuperAdmin and block login