refactor(credits): simplify credit system — remove productivity credits, guild pools, complex gift types

The credit system was overengineered for the local-first architecture:
- Productivity micro-credits (task/event/contact creation at 0.02 credits) made no sense
  since these operations happen locally in IndexedDB with zero server cost and were never enforced
- Guild pool system (6 DB tables, spending limits, membership checks) had no active users
- Gift system had 5 types (simple/personalized/split/first_come/riddle) when 2 suffice

Now credits are only charged for operations that actually cost money: AI API calls and
premium features (sync, exports). This makes the value proposition clear to users.

Changes:
- Remove 8 productivity operations + CreditCategory.PRODUCTIVITY from @mana/credits
- Delete guild pool service, routes, schema (3 files); remove guild refs from 8 backend files
- Simplify gifts to simple + personalized only; remove bcrypt/riddle/portions logic
- Update all frontend pages (credits dashboard, gift create/redeem, public gift page)
- Update shared-hono consumeCredits() to remove creditSource parameter
- Update mana-credits CLAUDE.md

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

packages/shared-ui/src/dnd/types.ts

@@ -24,7 +24,8 @@ export type DragType =
 	| 'note'
 	| 'transaction'
 	| 'place'
-	| 'dream';
+	| 'dream'
+	| 'journal-entry';
 
 export interface DragPayload<T = Record<string, unknown>> {
 	type: DragType;