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/test-cases.md

@@ -1,10 +1,10 @@
-# Test Cases — <!-- guide: area -->
+# Test Cases — <!-- область -->
 
-<!-- guide: One file per area under test-cases/. A case adds concrete data, steps
-     or an oracle that the scenario does not already state; otherwise reference the
-     scenario from qa-analysis instead of writing a case. Remove guides. -->
+<!-- Один файл на область в analysis/test-cases/. Case добавляет конкретные данные,
+     шаги или oracle, которых нет в Scenario; иначе qa-analysis ссылается на Scenario,
+     а case не пишется. -->
 
-### TC-<!-- guide: AREA-NNN --> <!-- guide: title -->
+### TC-<!-- AREA-NNN --> <!-- название -->
 
 - **Verifies:** `capability` — `Requirement heading` / Scenario
 - **Risk / Priority:**
@@ -13,4 +13,4 @@
 - **Steps:**
   1.
 - **Expected Results:**
-- **Automation Candidate:** <!-- guide: yes (level) | no (reason) -->
+- **Automation Candidate:** <!-- yes (уровень) | no (причина) -->