- add an end-to-end walk (account gate -> persona -> goals -> connect ->
Stripe) and a self-hosted bypass test, plus the connect no-workspace and
just-exploring-saved cases
- drop the just_exploring exclusivity: the backend now saves any valid goal
combination (the front-end still clears siblings as a UX nicety), removing
the withValidator rule, the unused Goal::isExclusive(), and the now-unused
goals_exclusive copy