Revert "feat(loyalty): EnakPoint & EnakCoin" (#32)

This reverts merge commit 645da30, returning main to f0ff59f.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

migrations/000093_add_customer_pin.up.sql

@@ -1,32 +0,0 @@
--- Customer PIN (docs/prd-point-coin.md F11, K8). A 6-digit PIN, separate from the
--- login password, approves everything that moves EnakPoint or EnakCoin on the
--- customer's request. Only its bcrypt hash is stored.
-ALTER TABLE customers
-    ADD COLUMN pin_hash               VARCHAR(255),
-    ADD COLUMN pin_set_at             TIMESTAMP WITH TIME ZONE,
-    -- Kept in the database, not a cache, so it cannot be dodged by waiting for a cache
-    -- to expire or by hitting another server (Q17).
-    ADD COLUMN pin_failed_attempts    INT NOT NULL DEFAULT 0,
-    ADD COLUMN pin_locked_until       TIMESTAMP WITH TIME ZONE,
-    -- Outgoing transfers are held for 24 hours after a PIN reset (Q16).
-    ADD COLUMN transfer_blocked_until TIMESTAMP WITH TIME ZONE,
-    ADD CONSTRAINT chk_customers_pin_failed_attempts CHECK (pin_failed_attempts >= 0);
-
--- Security log of PIN events. Not a balance movement, so not in wallet_transactions.
-CREATE TABLE customer_security_events (
-    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
-    customer_id UUID NOT NULL REFERENCES customers(id) ON DELETE RESTRICT,
-    -- PIN_SET, PIN_CHANGED, PIN_RESET, PIN_FAILED, PIN_LOCKED, PIN_REMOVED_BY_ADMIN
-    event VARCHAR(30) NOT NULL,
-    -- The admin, for PIN_REMOVED_BY_ADMIN.
-    actor_user UUID,
-    reason VARCHAR(255),
-    ip_address VARCHAR(45),
-    user_agent VARCHAR(255),
-    created_at TIMESTAMP WITH TIME ZONE DEFAULT NOW(),
-
-    CONSTRAINT chk_customer_security_events_admin CHECK (
-        event <> 'PIN_REMOVED_BY_ADMIN' OR (actor_user IS NOT NULL AND reason IS NOT NULL))
-);
-
-CREATE INDEX idx_customer_security_events_customer_id_created_at ON customer_security_events(customer_id, created_at DESC);