docker-entrypoint chmod 700'd the data dir but never the DB file; SQLite created
bills.db/-wal/-shm at umask 644 (world-readable), holding financial data +
encrypted SimpleFIN token/sessions/secrets. Add `umask 077` (files 600, dirs 700)
+ explicit chmod 600 of any pre-existing DB files on upgrade. Found on the live
nebula deploy (BillTracker.db was 644).
Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>