Polish/audit: fix bugs found by 3 subsystem audits

Correctness/data:
- Fix demo cost double-count: reference importer no longer imports the Kosten Strom/Wasser
  columns for categories that are metered (only Heizung), so Wasser rollup is 70€ not 140€.
- Spurious-decrease guard: only a reset/swap in the window (prevReading, thisReading] explains
  a decrease — an old historical reset no longer permanently disables the guard.
- Gate swap auto-detection on MappingProfile.DetectCumulativeSwaps (flag was ignored).
- Prorate basePrice by bucket length (day/month/year); guard virtual expressions against NaN/Inf.

Concurrency/infra:
- Blazor: register a DbContextFactory; CostService/DashboardService and the read pages now use
  short-lived per-operation contexts (no shared circuit DbContext); guard Trends re-entrancy.
- /events: wrap event insert + consumption recompute in one transaction (atomic); 404 (not 500)
  on unknown meter.
- MQTT worker: subscribe to newly-added topics on each tick; move client cleanup into finally.
- Migrations: CREATE MATERIALIZED VIEW IF NOT EXISTS + if_not_exists on CAgg/compression/
  hypertable calls (re-run-safe after a mid-migration crash).
- HA worker: prune stale poll-schedule entries; export: null dangling ImportBatchIds on restore.

API/security:
- API fail-closed by default: with no keys and AllowAnonymousApi off, /api/v1 returns 401
  (protects /export and /import). New MeterVault:AllowAnonymousApi opt-in.
- Cap /readings batch at 5000; report ignored (unknown-meter) count; enums as strings in JSON.

+4 regression tests (guard window, API closed, /events 404, no demo double-count). 98 tests
green; Docker deploy re-verified healthy with the API fail-closed.

Claude-Session: https://claude.ai/code/session_01WujdMtMJPbxDpDnMeK22rr

README.md

@@ -41,9 +41,13 @@ Configuration is via environment variables (`Section__Key` double-underscore map
 | `ConnectionStrings__Default` | PostgreSQL/Timescale connection string |
 | `MeterVault__TimeZone` | Local timezone for buckets/display (default `Europe/Berlin`) |
 | `MeterVault__ApiKeys__0` | An API key accepted on the `X-Api-Key` header |
+| `MeterVault__AllowAnonymousApi` | `true` to open the REST API without a key (trusted LAN only) |
 | `MeterVault__ReverseProxyTrust` | `true` to honour `X-Forwarded-User` behind an auth proxy |
 | `MeterVault__EnableLiveIngestion` | `false` to disable the MQTT/HA workers |
 
+The REST API is **closed by default**: with no `ApiKeys` configured and `AllowAnonymousApi` off, it
+returns 401. Set at least one API key (or open it explicitly for a trusted network).
+
 Secrets (broker/HA tokens) are **never** stored in the database — endpoint configs hold the *name*
 of an environment variable, resolved at runtime.