Why: make the six instance-bound user commands discoverable (T5-1) and pin Documents r2/r3.
Evidence: python3 -m unittest tests.test_svc_user_help; existing test_svc_user_binding still green.
Impact: scripts/svc.sh help accounts|user; docs/svc.md topic list; documents gitlink to plan branch tip.
Refs: Documents #87; feature/svc-account-durability-plan
Co-authored-by: Cursor <cursoragent@cursor.com>
