feat: add SQL query tool, platform debug, loyalty settings, and multi-module improvements

- Add admin SQL query tool with saved queries, schema explorer presets,
  and collapsible category sections (dev_tools module)
- Add platform debug tool for admin diagnostics
- Add loyalty settings page with owner-only access control
- Fix loyalty settings owner check (use currentUser instead of window.__userData)
- Replace HTTPException with AuthorizationException in loyalty routes
- Expand loyalty module with PIN service, Apple Wallet, program management
- Improve store login with platform detection and multi-platform support
- Update billing feature gates and subscription services
- Add store platform sync improvements and remove is_primary column
- Add unit tests for loyalty (PIN, points, stamps, program services)
- Update i18n translations across dev_tools locales

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

app/modules/loyalty/routes/pages/store.py

@@ -208,6 +208,32 @@ async def store_loyalty_stats(
     )
 
 
+# ============================================================================
+# SETTINGS (Merchant Owner)
+# ============================================================================
+
+
+@router.get(
+    "/loyalty/settings",
+    response_class=HTMLResponse,
+    include_in_schema=False,
+)
+async def store_loyalty_settings(
+    request: Request,
+    store_code: str = Depends(get_resolved_store_code),
+    current_user: User = Depends(get_current_store_from_cookie_or_header),
+    db: Session = Depends(get_db),
+):
+    """
+    Render loyalty program settings page.
+    Allows merchant owners to create or edit their loyalty program.
+    """
+    return templates.TemplateResponse(
+        "loyalty/store/settings.html",
+        get_store_context(request, db, current_user, store_code),
+    )
+
+
 # ============================================================================
 # ENROLLMENT
 # ============================================================================