feat(cli): add parameterized launcher for runtime-configured environments

[mstohr1975]

Title

feat(cli): add parameterized launcher for runtime-configured environments

Body

## Summary

Adds a parameterized launcher mode that allows running EBICS client flows without a persisted `ebics.txt` file.

## Motivation

In containerized or ephemeral runtime environments, persisting local config files is often undesirable.
This adds an explicit launcher path that reads runtime parameters from environment variables.

## Changes

- Add `org.kopi.ebics.client.ParameterizedEbicsClientLauncher`
- Parse and validate required runtime environment variables
- Support create/load and init flows (`INI`, `HIA`, `HPB`)
- Support upload/download order flags with `-i` / `-o`
- Add endpoint consistency validation for loaded users (fail-fast with actionable error)
- Add tests for argument parsing (`ParameterizedEbicsClientLauncherTest`)
- Add README usage section for the new launcher

## Compatibility

- Existing `EbicsClient` CLI flow remains unchanged.
- New launcher is opt-in.

## Validation

- `mvn -B test` passes locally

[mstohr1975]

I pushed a CI guard for fork PRs in this branch (dependency submission now only runs on push or same-repo PRs). Until this is merged, please treat the dependency-submission check as non-blocking for fork contributions.

[uwemaurer]

LGTM. can I merge it? (it is a "draft" PR)

[mstohr1975]

Yes, please feel free to merge it.