docs(chat): Step 8 — kind-14 acceptance for #102

[arkanoider]

Summary

• Add docs/CHAT_KIND14_ACCEPTANCE.md: Migrate peer-to-peer chat to the gift-wrap-free envelope (protects against the gift wrap apocalypse attack) #102 criteria → existing unit tests + optional live smoke
• Wire acceptance tests for outer author/#p (no trade keys) and authors=[pub(K_sign)] filter shape
• Link from docs/README.md and docs/DM_LISTENER_FLOW.md; mark migration Step 8 complete

Closes #102

Test plan

• cargo fmt --all -- --check
• cargo clippy --all-targets --all-features -- -D warnings
• cargo test --all-features
• Optional live smoke from the acceptance doc (two clients + Observer + protocol DMs)

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📥 Commits

Reviewing files that changed from the base of the PR and between 82633d5 and 80801a6.

📒 Files selected for processing (4)

• docs/CHAT_KIND14_ACCEPTANCE.md
• docs/DM_LISTENER_FLOW.md
• docs/README.md
• src/util/chat_utils.rs

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