docs: add README with quickstart guide

[sweetmantech]

Summary

• Adds README.md with install, auth, and command usage examples — shows as the npm landing page
• Includes README.md in the files field so it's bundled in the npm tarball
• Adds version check to CI workflow so publish is skipped when the version already exists on npm

Test plan

• Verify README renders correctly on the PR
• After merge + publish, verify it appears on npmjs.com/package/@recoupable/cli
• Verify CI skips publish on subsequent merges without version bumps

🤖 Generated with Claude Code

[coderabbitai]

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✨ Finishing touches

🧪 Generate unit tests (beta)

• Create PR with unit tests
• Post copyable unit tests in a comment
• Commit unit tests in branch sweetmantech/myc-4203-cli-readme-getting-started-info

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