fix: per-endpoint rate limits, request timeout and input hardening

bal-server:
- Wire independent actix-governor buckets per endpoint class (pushtxs,
  searchtx, info/stats, default) so polling a cheap endpoint can no longer
  exhaust the push-txs budget; previously every limit was dead config
- Enforce BAL_SERVER_ACTIX_TIMEOUT_SECS via a request-timeout middleware that
  returns 408 Request Timeout, covering slow request bodies
- De-duplicate txids within a single /pushtxs request body
- Replace the byte-slice xpub detection (panic on non-ASCII) with a safe
  prefix check

bal-pusher:
- Handle malformed/empty ZMQ frames without indexing panics or UTF-8 expect
- Return an error from sign_message and skip the stats report instead of
  panicking when the private key cannot be parsed

validation / db:
- Reject IPv4-mapped IPv6 targets (::ffff:a.b.c.d) in is_valid_welist_url
  to close an SSRF bypass, with unit tests
- Use Path::starts_with for the SQLite forbidden-directory check so paths
  like /etcfoo are not misclassified

misc:
- Add explicit secret patterns to .gitignore and sync the docs

.gitignore

@@ -1,10 +1,18 @@
 # Secrets and environment files - NEVER commit
 .env
 .env.*
+.env.local
+*.env.local
+.env.production
+.env.secret
 !.env.example
 *.pem
+private_key.pem
+privkey.pem
 !public_key.pem
 *.key
+ec.key
+chiave_privata.key
 
 # Databases
 *.db