Local dev and the test suite previously defaulted to the live production
Neon database, and running the tests mutated prod data. Add guardrails plus
a proper local Postgres + migrations workflow so production can't be hit by
mistake:
- docker-compose: local Postgres 17 (matches prod) + auto-created teqo_test
- dev guard refuses a non-local DATABASE_URL; tests refuse non-_test databases
- .env.test isolates the suite; vitest/playwright load it and fail closed
- Payload migrations set up (push disabled); build runs `payload migrate`,
so deploys apply pending migrations to prod automatically
- baseline `initial` migration + idempotent consent.text varchar->jsonb fix
- `pnpm db:pull` copies prod content locally, excluding supporter PII
- docs (README, AGENTS.md) + agent skills for the local-db/migration workflow
