feat(01-03): switch Matrix confirmations to text commands

- replace reaction-based helper text with !yes/!no and !skill commands
- resolve confirm and cancel through pending confirmation state
- render !settings as a read-only status dashboard

adapter/matrix/handlers/settings.py

@@ -22,21 +22,50 @@ def _parse_bool(value: str) -> bool:
 async def handle_settings(
     event: IncomingCommand, auth_mgr, platform, chat_mgr, settings_mgr
 ) -> list:
-    return [
-        OutgoingMessage(
-            chat_id=event.chat_id,
-            text=(
-                "⚙️ Настройки Matrix\n"
-                "!skills\n"
-                "!connectors\n"
-                "!soul [field value]\n"
-                "!safety [trigger on|off]\n"
-                "!plan\n"
-                "!status\n"
-                "!whoami"
-            ),
-        )
-    ]
+    settings = await settings_mgr.get(event.user_id)
+    chats = await chat_mgr.list_active(event.user_id)
+
+    skills_lines = []
+    for name, enabled in settings.skills.items():
+        state = "on" if enabled else "off"
+        skills_lines.append(f"  {state}  {name}")
+    skills_text = "\n".join(skills_lines) if skills_lines else "  нет навыков"
+
+    soul_lines = []
+    for key, value in (settings.soul or {}).items():
+        soul_lines.append(f"  {key}: {value}")
+    soul_text = "\n".join(soul_lines) if soul_lines else "  по умолчанию"
+
+    safety_lines = []
+    for key, value in (settings.safety or {}).items():
+        state = "on" if value else "off"
+        safety_lines.append(f"  {state}  {key}")
+    safety_text = "\n".join(safety_lines) if safety_lines else "  по умолчанию"
+
+    chat_lines = [f"  {chat.display_name} ({chat.chat_id})" for chat in chats]
+    chats_text = "\n".join(chat_lines) if chat_lines else "  нет активных чатов"
+
+    dashboard = "\n".join(
+        [
+            "Настройки",
+            "",
+            "Скиллы:",
+            skills_text,
+            "",
+            "Личность:",
+            soul_text,
+            "",
+            "Безопасность:",
+            safety_text,
+            "",
+            f"Активные чаты ({len(chats)}):",
+            chats_text,
+            "",
+            "Изменить: !skills, !soul, !safety",
+        ]
+    )
+
+    return [OutgoingMessage(chat_id=event.chat_id, text=dashboard)]
 
 
 async def handle_settings_skills(