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Expand the merchants API from read-only (index/show) to full CRUD with create, update, and destroy actions. Uses API key auth with proper scope authorization (read for index/show, read_write for create/update/destroy) and family-based isolation. - Add create/update/destroy actions to MerchantsController - Update routes to include all CRUD actions - Enrich merchant JSON response with color, logo_url, website_url fields - Fix FamilyMerchant#set_default_color to only set when blank (was unconditionally overriding color on every validation) - Rewrite tests to use API key auth pattern with read/read_write scopes - Add rswag OpenAPI spec and regenerate docs - Add MerchantDetail/MerchantCollection schemas to swagger_helper https://claude.ai/code/session_01G39SUd6QEv5nUusPvjFhmh