Feature/backend 2fa totp 963

[mijinummi]

Summary

feat(auth): build multi-factor TOTP engine mechanics alongside safe login intercepts

• Expands relational user schemas to support persistent verification fields
• Builds recovery table structures tracking hashed alternative emergency passphrases
• Connects Redis time-bounded TTL caching wrappers to protect setup initialization phases
• Updates standard login sequences to intercept active multi-factor profiles cleanly
• Implements single-use consumption constraints across historical recovery logs
• Closes [BE-06] Two-Factor Authentication Backend: TOTP Endpoints & Login Flow Integration #963

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