the finances skeleton — repo, prefix and permission key, before any feature

Published empty on purpose: identity is the expensive part to change later, the
feature is the cheap part to add. One route, two placeholder panels, no tables and
no sidecar.

README.md

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+# Finances
+
+Money, on your own machine.
+
+**This is a skeleton.** The repository, the mount prefix (`/finances`, `/api/finances`) and the permission
+key (`finances`) are real and settled. What the plugin actually does is not written yet — the two panels
+render a placeholder and the one route answers `GET /api/finances/ping`.
+
+Published in this state on purpose: the identity of a plugin is the part that is expensive to change
+later, and the feature is the part that is cheap to add.
+
+## What it ships
+
+| Part               | Present | Note                                                         |
+| ------------------ | ------- | ------------------------------------------------------------ |
+| `manifest.ts`      | yes     | identity, one permission                                     |
+| `api/router.ts`    | yes     | one route, mounted at `/api/finances`                        |
+| `web/`             | yes     | two placeholder panels and a layout                          |
+| `db/schema.ts`     | no      | no tables until the data model is settled                    |
+| `sidecar/`         | no      | nothing long-lived yet                                       |
+| `assets/icon.png`  | no      | the dock falls back to the manifest's lucide `Wallet`        |
+
+## Installing
+
+It is on disk and not installed until you install it from `/plugins`. Being in the tree makes it appear
+on that page; it mounts nothing until then.
+
+## Further reading
+
+`plugins/example` in the platform repo is the reference plugin and documents every convention this one
+follows.