feat: add pos system health, lib/notify.sh, and daily Telegram digest timer
- bin/pos-system-health: host dashboard (disk, RAM, failed units, backup age,
fail2ban, docker); exits 1 on any FAIL; --send/--markdown via Telegram
- lib/notify.sh: self-contained opt-in alerting helper; silent-fails, wired
into pos-system-backup (success + ERR trap) and pos-system-firewall
- systemd/pos-health.{service,timer}: 08:00 digest as installing user;
postinstall enables timer once telegram.env exists, now copies *.timer
- AGENT_TODO.md: worklist with Now/Next/Later/Done history; linked from AGENTS.md
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