refactor: make sdd-lab review-driven (WealthLedger/specs#66)

Replace executable schema checks with explicit review-driven readiness, add a requirement-writing profile, and incorporate review clarifications for source traceability and comparative validation.

openspec/schemas/wealth-ledger-sdd-lab/templates/security-analysis.md

@@ -1,7 +1,7 @@
 # Security Analysis
 
-<!-- guide: Threat model of this change only. Reference security NFR rows by id;
-     do not restate them. No generic checklist. Remove guides before G3. -->
+<!-- Threat model только этого change. На security-NFR ссылайся по id, не
+     пересказывай. Без универсального чек-листа. -->
 
 ## Scope
 
@@ -11,16 +11,16 @@
 
 ## Threats
 
-| ID | Threat (STRIDE) | Attack scenario | Asset / boundary | Existing control | Likelihood / impact |
+| ID | Угроза (STRIDE) | Сценарий атаки | Актив / граница | Существующий контроль | Вероятность / ущерб |
 | --- | --- | --- | --- | --- | --- |
 
 ## Recommended Mitigations
 
-| Threat | Mitigation | Owner artifact (specs / system-analysis / design) |
+| Угроза | Mitigation | Артефакт-владелец (specs / system-analysis / design) |
 | --- | --- | --- |
 
 ## Residual Risks
 
 ## Validation Requirements
 
-<!-- guide: Evidence needed before G4: review focus, negative tests, tooling. -->
+<!-- Evidence, нужные до G4: фокус review, негативные тесты, инструменты. -->