feat: create user 2FA endpoint

[caxtonacollins]

This PR introduces a Two-Factor Authentication (2FA) system to secure sensitive inheritance operations and resolves several maintenance issues, including formatting and dependency conflicts.

$ cargo test --test two_fa_tests --test plan_tests --test claim_tests
Finished test [unoptimized + debuginfo] target(s) in 8.82s
test result: ok. 20 passed; 0 failed; 0 ignored

Closes #73

Checklist

• All tests passed
• Code formatted with cargo fmt
• Merge conflicts resolved
• Sensitive operations protected by 2FA

[ONEONUORA]

Great Job @caxtonacollins