Lite 版专用：首次启动时自动创建默认用户和空间并返回令牌，后续启动直接签发令牌，免除手动注册/登录流程
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Memberships lists every workspace the user can authenticate into, along with their role in each. Always populated (length 1 for users who only belong to their home workspace) so frontends can render a workspace switcher without a follow-up request. Serialised without omitempty so the field is always present as a JSON array (possibly empty) — the "always populated" contract relies on the server side guaranteeing a non-nil slice.