Extends AbilityFactory with a risk-stratified capability model for Hermes
MCP tools (economic-data/capability-reasoning/legislation-search), ported
from Open.Jarvis's plugin permission system: non-owner/admin roles only
get low/medium risk tools by default, high/critical stay reserved. Adds
maskSensitiveValue as a reusable secret/PII redaction utility for future
outbox/audit logging, reinforcing the existing ai_requests hash-only
storage principle.