fix: align WAL multi-surface DB safety

- align app and standalone MCP busy-timeout and retry behavior
- guard live DB dev and restore flows
- document WAL maintenance boundaries

scripts/database/rah-db-owners.sh

@@ -0,0 +1,30 @@
+#!/usr/bin/env bash
+set -euo pipefail
+
+DB_PATH="${1:-}"
+if [ -z "$DB_PATH" ]; then
+  echo "Usage: $0 <path-to-rah.sqlite>" >&2
+  exit 2
+fi
+
+if ! command -v lsof >/dev/null 2>&1; then
+  echo "lsof is required to inspect live RA-H database owners." >&2
+  exit 3
+fi
+
+paths=("$DB_PATH" "${DB_PATH}-wal" "${DB_PATH}-shm")
+existing=()
+for candidate in "${paths[@]}"; do
+  if [ -e "$candidate" ]; then
+    existing+=("$candidate")
+  fi
+done
+
+if [ "${#existing[@]}" -eq 0 ]; then
+  exit 0
+fi
+
+lsof -FnPc -- "${existing[@]}" 2>/dev/null | awk '
+  /^p/ { pid=substr($0, 2); next }
+  /^c/ { cmd=substr($0, 2); if (pid != "") print pid "\t" cmd }
+' | sort -u