feat: wire up loyalty + chat — register routes, API types, connect LoyaltyPage, add ChatWidget to layout

backend/migrations/038_loyalty_settings.sql

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+CREATE TABLE IF NOT EXISTS loyalty_settings (
+  hotel_id         UUID    PRIMARY KEY REFERENCES hotels(id) ON DELETE CASCADE,
+  is_active        BOOLEAN NOT NULL DEFAULT true,
+  points_per_ruble NUMERIC(10,4) NOT NULL DEFAULT 0.1,
+  point_value      NUMERIC(10,4) NOT NULL DEFAULT 0.01,
+  expiry_months    INT     NOT NULL DEFAULT 12,
+  updated_at       TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);
+
+CREATE TABLE IF NOT EXISTS loyalty_transactions (
+  id         UUID        PRIMARY KEY DEFAULT gen_random_uuid(),
+  hotel_id   UUID        NOT NULL REFERENCES hotels(id) ON DELETE CASCADE,
+  guest_id   UUID        NOT NULL REFERENCES guests(id) ON DELETE CASCADE,
+  amount     INT         NOT NULL, -- positive = accrual, negative = spend
+  reason     VARCHAR(100) NOT NULL DEFAULT 'manual',
+  notes      TEXT,
+  staff_id   UUID        REFERENCES users(id) ON DELETE SET NULL,
+  created_at TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);
+
+-- Ensure guests have loyalty columns (may already exist)
+ALTER TABLE guests ADD COLUMN IF NOT EXISTS loyalty_tier VARCHAR(20) NOT NULL DEFAULT 'bronze';
+ALTER TABLE guests ADD COLUMN IF NOT EXISTS loyalty_points INT NOT NULL DEFAULT 0;

backend/migrations/039_chat.sql

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+CREATE TABLE IF NOT EXISTS chat_rooms (
+  id         UUID        PRIMARY KEY DEFAULT gen_random_uuid(),
+  hotel_id   UUID        NOT NULL REFERENCES hotels(id) ON DELETE CASCADE,
+  type       VARCHAR(10) NOT NULL DEFAULT 'general' CHECK (type IN ('general', 'direct')),
+  name       VARCHAR(100),
+  created_at TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);
+
+CREATE TABLE IF NOT EXISTS chat_room_members (
+  room_id UUID NOT NULL REFERENCES chat_rooms(id) ON DELETE CASCADE,
+  user_id UUID NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+  PRIMARY KEY (room_id, user_id)
+);
+
+CREATE TABLE IF NOT EXISTS chat_messages (
+  id         UUID        PRIMARY KEY DEFAULT gen_random_uuid(),
+  room_id    UUID        NOT NULL REFERENCES chat_rooms(id) ON DELETE CASCADE,
+  hotel_id   UUID        NOT NULL REFERENCES hotels(id) ON DELETE CASCADE,
+  sender_id  UUID        NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+  text       TEXT        NOT NULL,
+  created_at TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);
+CREATE INDEX IF NOT EXISTS idx_chat_messages_room ON chat_messages(room_id, created_at DESC);
+
+CREATE TABLE IF NOT EXISTS chat_read_status (
+  room_id    UUID        NOT NULL REFERENCES chat_rooms(id) ON DELETE CASCADE,
+  user_id    UUID        NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+  last_read  TIMESTAMPTZ NOT NULL DEFAULT NOW(),
+  PRIMARY KEY (room_id, user_id)
+);