Let an installation seed and lock user settings

The first two thirds of #207. A school wanting "warn about outside senders"
on for three thousand pupils cannot ask three thousand pupils, and the
reporter is right that this is a company policy rather than a preference.

Two powers, and the difference between them is the whole request. `defaults`
seed an account that has never had settings of its own and can be changed
afterwards like anything else -- a starting point, not a rule. `enforced` are
reapplied on every load and cannot be changed at all.

Enforced controls stay visible and go dead, with a line saying why. The issue
asked for that by name: a control that is simply missing reads as a bug to
somebody who has used ihasmail without a policy.

The lock is in the settings store rather than only on the controls. There is
one door -- `update` -- and putting it there means an imported settings file,
a settings file synced from a device that predates the policy, and a control
somebody adds later and forgets to check are all covered by construction.
Reset goes back to the installation's answer rather than to ihasmail's, so it
cannot be a way around a policy either.

Configured by environment variable or by a file, because ihasmail's own
production runs read-only with no volume: an installation that cannot mount a
file can still set a variable. Keys this build does not have are dropped, the
same rule an imported settings file already gets -- a policy written against a
newer ihasmail must not put a setting nothing reads into everybody's synced
settings file. Malformed JSON stops the server rather than quietly doing
nothing, since a policy that silently did not apply is indistinguishable from
the feature not working.

Tier three -- enforcing a setting once while still letting readers change it
afterwards -- is not here. It needs a decision the reporter and I have not
made yet, and it is the only part that stores anything new.

Refs #207.

web/src/locales/de.ts

@@ -55,6 +55,7 @@ import type { Catalog } from "@/lib/i18n";
  */
 export const catalog: Catalog = {
   strings: {
+    "Set for everyone here. You cannot change this.": "Für alle hier festgelegt. Sie können dies nicht ändern.",
     "Export iCAL file": "iCAL-Datei exportieren",
     "Could not export this calendar: {error}": "Dieser Kalender konnte nicht exportiert werden: {error}",
     // ── Actions ────────────────────────────────────────────────────────