refactor: read memory-bank-template source payload while preserving downstream memory-bank

[dapi]

Context

Required coordination for dapi/memory-bank#63. The template source repository will rename its payload directory from memory-bank/ to memory-bank-template/; downstream repositories must continue to receive and use memory-bank/.

Goal

Update CLI source inspection, Git-tree verification, template-profile diagnostics, and fixtures to read the source payload at memory-bank-template/ while preserving memory-bank/ as the downstream install/update, lock, routing, lint, and doctor default.

Scope

• Define and document source-versus-downstream path terminology in CLI implementation notes.
• Update init and update translation from source memory-bank-template/ to downstream memory-bank/.
• Update template lint/doctor profile detection and Git tree verification.
• Add regression coverage for init, update, doctor profile detection, and navigation.
• Publish a CLI release containing this support before refactor: rename upstream payload to memory-bank-template while retaining downstream memory-bank memory-bank#63 is merged.

Non-goals

• Renaming the public executable or downstream destination.
• Supporting both upstream payload paths indefinitely.
• Changing lock schema or managed-file semantics except where translation requires it.

Acceptance criteria

• A template checkout with only memory-bank-template/ is recognized and validated.
• Clean downstream init produces memory-bank/, and update safely reconciles that tree from a pinned source checkout.
• Downstream lint/doctor defaults remain memory-bank/; template profile targets the source payload.
• Tests cover init, update, doctor profile detection, and navigation.
• A released version is available for template CI before the template rename merges.

Coordination

Template-side issue: dapi/memory-bank#63

[dapi]

Feature Flow routing record (2026-07-23): the FT-014 package is prepared at Plan Ready on branch feature/issue-14-refactor-read-memory-bank-template-sourc.

Canonical and derived artifacts:

• memory-bank/features/FT-014-source-payload-path-translation/brief.md
• memory-bank/features/FT-014-source-payload-path-translation/design.md
• memory-bank/features/FT-014-source-payload-path-translation/implementation-plan.md
• memory-bank/features/FT-014-source-payload-path-translation/decision-log.md
• memory-bank/features/FT-014-source-payload-path-translation/feature-review-report.md

The package keeps delivery status planned; implementation and release publication have not started.