feat: consolidate skin policy, furniture and world NPC work

.gitignore

@@ -17,6 +17,7 @@ test-setup.js
 !src/business/chat/chat.service.spec.ts
 !src/business/chat/services/chat_session.service.spec.ts
 !src/business/mall/mall.service.spec.ts
+!src/business/room_decor/room_decor.service.spec.ts
 !src/business/world_npc/world_npc.service.spec.ts
 !src/gateway/auth/register.controller.spec.ts
 !src/gateway/chat/chat.gateway.spec.ts
@@ -72,3 +73,5 @@ Thumbs.db
 *.swp
 *.swo
 *~
+
+!src/business/auth/skin_defaults.spec.ts