Harden the container: non-root, pinned images and dependencies, the key in a file (B-91, SEC-51, SEC-52, SEC-53; closes B-71, B-72)

- app runs as uid 1000; a one-shot data-permissions service chowns ./data to it
  and closes it to others (works on an older root-owned install with no host sudo);
  files are created 0600 (umask 077)
- python:3.12-slim and caddy:2-alpine pinned by digest; dependencies installed from
  requirements.lock with --require-hashes
- the Fernet key is XPRV_ENCRYPTION_KEY_FILE (./secrets/xprv_encryption.key, a compose
  secret), out of every environment variable and of a ./data backup
- setup.md no longer presents a second way to run the server (B-72)

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

README.md

@@ -62,7 +62,7 @@ python -m pytest                    # all tests
 python -m pytest tests/unit/test_hd.py   # one file
 ```
 
-719 unit tests cover HD derivation, PSBT building, the Electrum client, bets,
+728 unit tests cover HD derivation, PSBT building, the Electrum client, bets,
 deposits, withdrawals, the round/draw engine, RBF fee-bumping, admin config,
 the pending-inclusive balance calculation, and the SSE push channel. No
 automated integration tests against a live Electrum connection — mainnet