fix(dev): cards-server uses --hot + setup-databases creates mana_notify/credits

cards-server: switch from `bun run --watch` to `bun run --hot`.
--watch restarts the whole process on file change, racing the
old + new Bun.serve calls for the port (the EADDRINUSE you see
right after `listening on :3072`). --hot does in-process HMR via
the globalThis[hmrSymbol] pattern; the port stays bound across
reloads. apps/api already uses --hot for the same reason.

scripts/setup-databases.sh:
- create_db_if_not_exists "mana_notify" + "mana_credits" so a
  fresh-machine `pnpm setup:db` no longer leaves these two DBs
  off (mana-notify was crashing on boot with SASL fallback,
  mana-credits was less obvious because its drizzle config
  defaults to mana_platform — but the runtime config can point
  at mana_credits, so safer to have the DB exist).
- Fix the cards branch: was pointing at the non-existent
  @mana/cards-database package; now points at @mana/cards-server
  where the actual schema lives.

Verified: drop+re-create flow + cardecky:full boot + touch-trigger
hot-reload all clean.

scripts/setup-databases.sh

@@ -131,7 +131,7 @@ setup_service() {
             push_schema "@mana/uload-database" "uload"
             ;;
         cards)
-            push_schema "@mana/cards-database" "cards"
+            push_schema "@mana/cards-server" "cards"
             ;;
         events|mana-events)
             push_schema "@mana/events" "mana-events"
@@ -162,6 +162,13 @@ echo -e "\n${GREEN}Step 1: Creating databases${NC}"
 echo "--------------------------------------"
 create_db_if_not_exists "mana_platform"
 create_db_if_not_exists "mana_sync"
+# mana-notify (Go) and mana-credits (legacy schema-filter still uses
+# mana_platform but the runtime config can point at mana_credits) each
+# get their own database. Without these, dev:cardecky:full crashes
+# both services on boot with "database does not exist" / SASL auth
+# fallback errors.
+create_db_if_not_exists "mana_notify"
+create_db_if_not_exists "mana_credits"
 
 echo -e "\n${GREEN}Step 2: Creating schemas in mana_platform${NC}"
 echo "--------------------------------------"