Remove 23 hardcoded business decisions: all financial/operational behaviors now configurable per-academy

Every penalty, compensation, auto-invoice, and automation is now guarded by a
SettingsService toggle (default OFF for financial, ON for operational). Added
88 system settings across 8 groups with Arabic labels, conditional UI visibility
for dependent fields, and a new "رواتب وتعويضات" admin tab.
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>