朱子纯 / erp-workflow-plugin

- Delete all 7 banners/flow*.txt and remove the banner step from each
  Plan skill (plan-start renumbered: gate=第1步, 放行/拦截=第2步 A/B).
- Drop now-unused Bash(cat *) from scope-lock/db-design-gen/downstream-gen/
  plan-start allowed-tools.
- downstream-gen: replace `cp` (not Windows-safe) with Read+Write, drop Bash(cp *).
- project-init: fix stale dispatcher name session-start -> plan-start.
- README: remove the Banners 清单 section.

…frontend scope-lock) + de-bash + ERP-confirmable