Why: The old account lister exposed a global, always-valid directory without a domain locator or field authorization.
Evidence: SELF receipts /tmp/iam-u3-u3-backend-sqlite.json and /tmp/iam-u3-u3-backend-pg.json.
Impact: Adds versioned optional query and exact lookup, trusted RDM scope registration, visible-field cursor binding, and restricts legacy EXT-19 to effective system administrators. RDM consumption remains a separate U3-5 unit.
Refs: IAM U3 r1 stages 4-5; Dev feature/iam-u3-account-directory-recovery
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