feat(skills): rebuild the skill system for the multi-user model

Per blueprint/skill-project.md: the old single-namespace, hand-maintained
index is gone, replaced by a read-only, two-scope tree whose index is a
runtime function of its content.

- skills/ index generated at runtime (crates/skald-core/src/skills/:
  inventory, install, validate, watch), injected through the new
  <!-- SKILLS_LIST --> placeholder in AGENT.md (agents/common/skills.md);
  meta.json inject_skills flag removed. 11 chat/task agents carry the
  include, the 4 system agents do not.
- Two trees, both read-only in both directions: skills/shared/{id} (the
  group's) and skills/{username}/{id} (one member's own, on the stable
  userid). The root is closed too: UserFs::SkillMounts + RouteError (alias
  probe, plain-denied paths, no home fallback) and a per-user
  .skills-root/{userid} container mount with the two scope mounts nested
  inside, plus the fifth self-heal axis (skills_mounted).
- Agent verbs: skill_register/skill_delete (Config group, global scope
  behind the new skill.manage capability), fetch_repo for public repos,
  list_items(type="skills"); reads are plain read_file on the printed
  path. Seeded @fs_read skills/* allow.
- Freshness: a digest-gated watcher on the two trees emits
  SystemEvent::SkillsChanged, whose subscriber rebuilds the frozen prompt
  prefix via Skald::invalidate_prompt_prefix; in-process writers invalidate
  directly.
- The build ships no skills: the three bundled skills (ics2json,
  mcp-builder, skill-creator) and skills/index.md are removed, skills/ is
  instance data (gitignored, not packaged, no longer pruned by update.sh).
- Docs: skills.md, agents.md, shared-folders.md added; docs/index.md and
  agents/README.md updated.

SKALD.md

@@ -124,9 +124,9 @@ systemd service → ExecStart=run.sh
 
 **Problem**: extracting over the install directory only ever adds and overwrites. Anything removed upstream survived every future update — a renamed page under `docs/` kept being mounted read-only into every container for the assistant to read, a deleted command kept being discovered.
 
-**Fix**: after extracting, prune from the directories the tarball owns end to end (`web/`, `commands/`, `skills/`, `docs/`) whatever the already-verified staging copy does not have, then remove the directories left empty. Pruning _after_ the extraction rather than replacing the directory keeps every intermediate state a complete install, and the only files removed are ones the new build has verifiably dropped.
+**Fix**: after extracting, prune from the directories the tarball owns end to end (`web/`, `commands/`, `docs/`) whatever the already-verified staging copy does not have, then remove the directories left empty. Pruning _after_ the extraction rather than replacing the directory keeps every intermediate state a complete install, and the only files removed are ones the new build has verifiably dropped.
 
-`agents/` is deliberately excluded: adding an agent is a documented extension point (`agents/<id>/meta.json` + `AGENT.md`), so the directory is not ours alone and pruning it would delete somebody's work — at the price of an upstream-deleted agent lingering. `bin/` is excluded too: two files, both overwritten every time.
+`agents/` is deliberately excluded: adding an agent is a documented extension point (`agents/<id>/meta.json` + `AGENT.md`), so the directory is not ours alone and pruning it would delete somebody's work — at the price of an upstream-deleted agent lingering. `skills/` is excluded for a stronger version of the same reason: the build ships no skills, so that directory is pure instance data (every skill in it was registered by a member) and pruning it would delete their work at every update. `bin/` is excluded too: two files, both overwritten every time.
 
 ## Bug fix: uninstall.sh could remove containers that are not ours ✅