Docs/frontend incident response

[Ghoost-404]

Summary

1. Frontend Incident Response Process:

   • Switched to git branch docs/frontend-incident-response.
   • Created docs/incident-response.md detailing contact roles, severity classification, feature flag kill-switches, emergency Vercel rollbacks (vercel rollback <SAFE_DEPLOYMENT_ID>), contract pause coordination, and user advisory communication templates.

2. Wallet Role Detection Logic Verification:

   • Added listInvoicesBySubmitter, listInvoicesByPayer, and listInvoicesByLp contract view helpers to src/utils/soroban.ts.
   • Refactored getWalletRoles() to query Soroban view functions (list_invoices_by_submitter, list_invoices_by_payer, list_invoices_by_lp) in parallel.
   • Added __tests__/contract/role-detection.test.ts verifying role detection logic against realistic mocked contract responses.

3. Feature Flags Default & Graceful Degradation:

   • Confirmed NEXT_PUBLIC_ORACLE_ENABLED=false, NEXT_PUBLIC_NFT_ENABLED=false, and NEXT_PUBLIC_INSURANCE_POOL_ENABLED=false as defaults in .env.local.example and src/constants.ts.
   • Updated src/components/OracleBadge.tsx, src/components/InvoiceNftCard.tsx, and src/components/InsurancePoolPanel.tsx to return null immediately when their respective flag is off.
   • Added __tests__/feature-flags-no-render.test.tsx confirming all gated sections degrade gracefully without rendering or throwing errors when disabled.

Closes #589
Closes #590
Closes #601
Closes #608

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