Block 2FA setup in demo mode at all entry points

The dashboard had a 'Set up 2FA' banner link to /security/totp that
bypassed the settings button guard entirely. Three fixes:
- Dashboard: hide the 2FA nudge banner completely in demo mode
- TwoFactorSetupPage: redirect to /settings on mount if isDemo, and
  disable the setup query so no API call fires even briefly
- This covers both the UI entry point and direct URL navigation

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

frontend/src/pages/auth/TwoFactorSetup.tsx

@@ -1,4 +1,4 @@
-import { useState } from "react";
+import { useState, useEffect } from "react";
 import { useNavigate } from "react-router-dom";
 import { useForm } from "react-hook-form";
 import { zodResolver } from "@hookform/resolvers/zod";
@@ -7,6 +7,7 @@ import { getTotpSetup, enableTotp } from "@/api/auth";
 import { useAuthStore } from "@/store/authStore";
 import { useQuery, useMutation } from "@tanstack/react-query";
 import { ShieldCheck, Copy, CheckCircle, Loader2 } from "lucide-react";
+import { useDemoMode } from "@/hooks/useDemoMode";
 
 const schema = z.object({ code: z.string().length(6, "6-digit code required") });
 type Form = z.infer<typeof schema>;
@@ -14,6 +15,11 @@ type Form = z.infer<typeof schema>;
 export default function TwoFactorSetupPage() {
   const navigate = useNavigate();
   const { setTotpEnabled } = useAuthStore();
+  const isDemo = useDemoMode();
+
+  useEffect(() => {
+    if (isDemo) navigate("/settings", { replace: true });
+  }, [isDemo, navigate]);
   const [copied, setCopied] = useState(false);
   const [secret, setSecret] = useState<string | null>(null);
   const [error, setError] = useState<string | null>(null);
@@ -25,6 +31,7 @@ export default function TwoFactorSetupPage() {
       setSecret(res.secret);
       return res;
     },
+    enabled: !isDemo,
   });
 
   const { register, handleSubmit, formState } = useForm<Form>({

frontend/src/pages/dashboard/Dashboard.tsx

@@ -16,6 +16,7 @@ import {
 } from "recharts";
 import { Link } from "react-router-dom";
 import { TOOLTIP_STYLE, ACTIVE_DOT } from "@/utils/chartTheme";
+import { useDemoMode } from "@/hooks/useDemoMode";
 
 const COLORS = ["#6366f1","#22c55e","#f97316","#ec4899","#14b8a6","#f59e0b","#8b5cf6","#ef4444"];
 
@@ -29,6 +30,7 @@ const TYPE_COLORS: Record<string, string> = {
 export default function Dashboard() {
   const displayName = useAuthStore((s) => s.displayName);
   const totpEnabled = useAuthStore((s) => s.totpEnabled);
+  const isDemo = useDemoMode();
 
   const { data: nw } = useQuery({ queryKey: ["net-worth"], queryFn: getNetWorth });
   const { data: accounts = [] } = useQuery({ queryKey: ["accounts"], queryFn: getAccounts });
@@ -52,8 +54,8 @@ export default function Dashboard() {
         <p className="text-muted-foreground text-sm mt-1">Here's your financial overview</p>
       </div>
 
-      {/* 2FA nudge */}
+      {/* 2FA nudge — hidden in demo mode */}
-      {!totpEnabled && (
+      {!totpEnabled && !isDemo && (
         <div className="flex items-center gap-3 bg-warning/10 border border-warning/30 rounded-xl px-4 py-3">
           <ShieldAlert className="w-5 h-5 text-warning shrink-0" />
           <p className="flex-1 text-sm">