Stop vault safety checks from reading unreadable state as empty (closes #51)

Adding a PGP unlocker checked unlockers.d for a duplicate and, when the
directory could not be read, reported no duplicate and went on. The
check now returns an error naming the directory and cause, and the add
stops; a duplicate found is still reported as one.

The same flaw guarded removing the last unlocker and removing a vault
(an unreadable secrets directory counted as no secrets) and vault
import (an unreadable pub.age counted as no long-term key). Those now
stop with an error too.

`unlocker list` keeps skipping entries it cannot read; a comment at the
duplicate check says why the two differ.

Model: opus-5-5

TODO.md

@@ -25,6 +25,13 @@ Bring the repo into policy compliance in one commit:
 
 # Completed Steps
 
+- 2026-10-03: The checks run before changing a vault now stop with an
+  error naming the path and cause when they cannot read what they
+  inspect, instead of reading the failure as "nothing there": the
+  duplicate check before `unlocker add pgp` (an unreadable
+  `unlockers.d`), the secret count that guards removing the last
+  unlocker and removing a vault, and the existing long-term key check
+  before `vault import`.
 - 2026-10-02: A plain `docker build .` builds again: the size tests
   skip a case that needs more locked memory than the process can
   lock, and run every case under `script/cibuild`. The image stamps the