[Feature] Telemetry, FinOps & Budget Governance

[djm81]

Summary

• Track the default-on telemetry and FinOps governance contracts for the five-pillar wave.
• Keep PII-safe telemetry, outcome evidence, and budget-approval behavior aligned before enterprise chargeback extends them.

Scope

• default-on telemetry with enterprise-safe opt-out rules
• FinOps telemetry and outcome evidence contracts
• budget approval and enforcement gates for expensive flows

Child changes

• telemetry-01-opentelemetry-default-on (nold-ai/specfact-cli)
• finops-01-telemetry-and-outcomes (nold-ai/specfact-cli)
• finops-02-budget-approval-gates (nold-ai/specfact-cli)