test(ledger): audit ledger-config and pin its current behavior

The linting doesn't run. flycheck-ledger loads and registers the ledger checker, but flycheck-mode is hooked to sh-mode and emacs-lisp-mode only, and there's no global-flycheck-mode. I checked a live ledger-mode buffer: checker registered, flycheck-mode nil. Unbalanced transactions and typo'd account names produce no warning, on a financial file, while the module commentary claims linting.

Three smaller findings. Every save reorders the whole file, because ledger-mode-clean-buffer calls ledger-sort-buffer over point-min to point-max. The demoted error around it lets a save proceed after a partial rewrite, with nothing to roll back. Reconcile has no confirmation and clears whole transactions.

Five characterization tests pin what exists now, including the clean-on-save default the audit questions. I fixed nothing: the guardrail choices are a separate task, and only the flycheck gap is a defect rather than a preference.

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