refactor: fix all architecture validator findings (202 → 0)

Eliminate all 103 errors and 96 warnings from the architecture validator:

Phase 1 - Validator rules & YAML:
- Add NAM-001/NAM-002 exceptions for module-scoped router/service files
- Fix API-004 to detect # public comments on decorator lines
- Add module-specific exception bases to EXC-004 valid_bases
- Exclude storefront files from AUTH-004 store context check
- Add SVC-006 exceptions for loyalty service atomic commits
- Fix _get_rule() to search naming_rules and auth_rules categories
- Use plain # CODE comments instead of # noqa: CODE for custom rules

Phase 2 - Billing module (5 route files):
- Move _resolve_store_to_merchant to subscription_service
- Move tier/feature queries to feature_service, admin_subscription_service
- Extract 22 inline Pydantic schemas to billing/schemas/billing.py
- Replace all HTTPException with domain exceptions

Phase 3 - Loyalty module (4 routes + points_service):
- Add 7 domain exceptions (Apple auth, enrollment, device registration)
- Add service methods to card_service, program_service, apple_wallet_service
- Move all db.query() from routes to service layer
- Fix SVC-001: replace HTTPException in points_service with domain exception

Phase 4 - Remaining modules:
- tenancy: move store stats queries to admin_service
- cms: move platform resolution to content_page_service, add NoPlatformSubscriptionException
- messaging: move user/customer lookups to messaging_service
- Add ConfigDict(from_attributes=True) to ContentPageResponse

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

.architecture-rules/money.yaml

@@ -23,7 +23,9 @@ money_handling_rules:
 
       Column naming convention: Use `_cents` suffix for all monetary columns.
     pattern:
-      file_pattern: "models/database/**/*.py"
+      file_pattern:
+        - "models/database/**/*.py"
+        - "app/modules/*/models/**/*.py"
       required_patterns:
         - "_cents = Column(Integer"
       anti_patterns:
@@ -79,7 +81,9 @@ money_handling_rules:
 
       Or use model validators to convert before response serialization.
     pattern:
-      file_pattern: "models/schema/**/*.py"
+      file_pattern:
+        - "models/schema/**/*.py"
+        - "app/modules/*/schemas/**/*.py"
       check: "money_response_format"
 
   - id: "MON-004"
@@ -124,7 +128,9 @@ money_handling_rules:
         tax = subtotal * 0.17  # Floating point!
         total = subtotal + tax
     pattern:
-      file_pattern: "app/services/**/*.py"
+      file_pattern:
+        - "app/services/**/*.py"
+        - "app/modules/*/services/**/*.py"
       check: "money_arithmetic"
 
   - id: "MON-006"