todo: one file per item, grouped by theme, with a generated index

TODO.md had reached 1050 lines and 72 open items across 28 sections, read mostly
on a phone. It is now a directory: todo/<theme>/<item>.md, one card per file, with
frontmatter carrying id, status, created date and order, and the prose body copied
across verbatim. TODO.md becomes a generated index (bun run todo:index).

Dates: where an item's prose stated one it is used; otherwise its old section's;
otherwise 2026-08-20, floored at the day before the split rather than invented.
date_source records which.

Shaped for a two-way Kanban board, filed as todo/tooling — a card is a file, id is
the identity, frontmatter is the machine's half and the body is the owner's.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

todo/plugin-system/emailaccounts-is-created-by-the-platform-for.md

@@ -0,0 +1,26 @@
+---
+id: plugin-system/emailaccounts-is-created-by-the-platform-for
+title: "`email_accounts/` is created by the PLATFORM for every account, and should be the plugin's job"
+theme: plugin-system
+status: open
+created: 2026-08-18
+date_source: section
+order: 2
+---
+
+**`email_accounts/` is created by the PLATFORM for every account, and should be the plugin's job.**
+`USER_DIRS` in `data-path.ts` pre-creates it at 0700 for every user, whether or not the email plugin
+is installed — so a core install provisions a directory named for a plugin it does not have.
+
+Ownership should invert: the plugin provisions its own storage, in all three moments —
+
+1. **on plugin install**, for accounts that already exist;
+2. **on user provisioning**, for accounts created afterwards;
+3. **lazily**, the first time a provisioned user opens the plugin, so a machine that missed either of
+   the above still heals itself.
+
+The third is the one that makes the other two non-critical, and it belongs in the email sidecar
+rather than in the platform's account handler.
+
+This is entangled with the `email_db` leak below — core reads that directory today, so the plugin
+cannot become its sole owner until that is resolved too. Do them together.