The SETTING verdicts are now the keys of the codec table, so a column
becomes a setting by getting a codec and nothing else has to name it. The
verdicts for every other User column move beside it into
account-settings-classes.ts, and the restore half into
account-settings-restore.ts. The backup plan keeps the model verdicts.
The classification guard now also refuses a column that has both a codec
and another verdict, since the composed table would quietly carry it as a
setting.
