feat(notify): convert email lists to NotifyEmailEntry struct with toggle support

- Change balance_notify_extra_emails and account_quota_notify_emails
  from []string to []NotifyEmailEntry{email, disabled, verified}
- Add per-email enable/disable toggle for both user and admin notifications
- Add PUT /user/notify-email/toggle API endpoint
- Fix critical bug: API key auth cache snapshot missing balance notify
  fields (Email, Username, BalanceNotifyEnabled, etc.), causing
  notifications to never fire on cached request paths
- Bump cache snapshot version 3→4 to invalidate stale entries
- Add SQL migration 104 to convert old format data
- Backward compatible: parseNotifyEmails auto-detects old/new format
- User balance notify: max 3 emails (primary + 2 extra)
- Admin quota notify: unlimited emails, each with toggle

backend/internal/handler/dto/settings.go

@@ -152,7 +152,7 @@ type SystemSettings struct {
 	// Balance low notification
 	BalanceLowNotifyEnabled   bool     `json:"balance_low_notify_enabled"`
 	BalanceLowNotifyThreshold float64  `json:"balance_low_notify_threshold"`
-	AccountQuotaNotifyEmails  []string `json:"account_quota_notify_emails"`
+	AccountQuotaNotifyEmails  []NotifyEmailEntry `json:"account_quota_notify_emails"`
 }
 
 type DefaultSubscriptionSetting struct {