Stop vault creation when a vault's metadata cannot be read (closes #140)

GetNextDerivationIndex passed over a vault whose vault-metadata.json could
not be read or parsed, so the next vault made from the same mnemonic could
get that vault's derivation index and so the same long-term key. It now
returns an error naming the file, and vault create, vault import and init
stop before writing anything. A vault directory with no metadata file is
still skipped.

The regression test breaks one vault's metadata, once with content that
does not parse and once with a test filesystem that fails to open it, and
requires CreateVault with the same mnemonic to fail, naming the file, and
leave no new vault.

Model: opus-5-5

internal/vault/metadata.go

@@ -4,7 +4,9 @@ import (
 	"crypto/sha256"
 	"encoding/hex"
 	"encoding/json"
+	"errors"
 	"fmt"
+	"os"
 	"path/filepath"
 
 	"github.com/spf13/afero"
@@ -33,7 +35,10 @@ func ComputeDoubleSHA256(data []byte) string {
 }
 
 // GetNextDerivationIndex finds the next available derivation index for a given mnemonic
-// by deriving the public key for index 0 and using its hash to identify related vaults
+// by deriving the public key for index 0 and using its hash to identify related vaults.
+// It fails when a vault's metadata file exists but cannot be read or parsed: the
+// index that vault uses is then unknown, and handing it out again would give a
+// second vault the same long-term key.
 func GetNextDerivationIndex(
 	fs afero.Fs, stateDir string, mnemonic string,
 ) (uint32, error) {
@@ -72,21 +77,23 @@ func GetNextDerivationIndex(
 			continue
 		}
 
-		// Try to read vault metadata
 		metadataPath := filepath.Join(vaultsDir, entry.Name(), "vault-metadata.json")
 
 		metadataBytes, err := afero.ReadFile(fs, metadataPath)
-		if err != nil {
-			// Skip vaults without metadata
+		if errors.Is(err, os.ErrNotExist) {
+			// Skip directories without metadata
 			continue
 		}
 
+		if err != nil {
+			return 0, fmt.Errorf("failed to read vault metadata %s: %w", metadataPath, err)
+		}
+
 		var metadata Metadata
 
 		err = json.Unmarshal(metadataBytes, &metadata)
 		if err != nil {
-			// Skip vaults with invalid metadata
-			continue
+			return 0, fmt.Errorf("failed to parse vault metadata %s: %w", metadataPath, err)
 		}
 
 		// Check if this vault uses the same mnemonic by comparing family hashes