Add an in-memory Client implementation per integration package (seeded fake
data, no network) selected when SH_MCP_ENV=local (build-plan §4). Gmail/calendar/
tasks dev clients partition by ctx.sub; payments/qbo seed sensitive-looking
fields so the redaction egress path has real targets to mask.
Make the eager default-tool exports in tasks/reminders/qbo LAZY (getDefaultTools)
so importing a package barrel no longer constructs an AWS client at module load
(build-plan §7 'no I/O at import time') — the previous eager construction broke
server startup. Fix payments tsconfig rootDir (src, was '.') so its declarations
resolve under dist/index.d.ts like the other 8 packages.