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.

components/settings/smsTemplates.test.js

@@ -69,4 +69,11 @@ describe('SMS template variables', () => {
       }
     }
   });
+
+  it('keeps username and password slots on the accountCreated template', () => {
+    const def = SMS_TEMPLATE_DEFS.find((item) => item.key === 'accountCreated');
+    const slots = (def?.slots || []).map((slot) => slot.key);
+    assert.ok(slots.includes('username'));
+    assert.ok(slots.includes('password'));
+  });
 });