Add isolated question completion credits
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# Question-completion credits
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This branch introduces credit earning only. It does not impose a question
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limit, redeem credits, sell products, activate passes, consume exam tokens, or
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reset QBank progress.
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- A successfully stored first answer earns one credit regardless of whether it
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is correct.
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- A repeated answer does not earn another credit.
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- A skipped question does not earn credit.
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- At most 20 credits can be earned in a rolling 24-hour window.
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- Historical attempts are not backfilled.
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- `GET /api/credits` returns the authenticated user's balance and current
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rolling-window capacity.
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- The first-attempt response also includes the updated credit status.
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The API is authoritative. Credit grants use the immutable attempt ID as their
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idempotency key, so retrying the same completed question cannot grant another
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credit. Credit accounts are included in account export and deletion.
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