fix(ci): fix check-toml-format, check-licenses-headers, check-zepter

- taplo.toml: add .cargo/** to exclude list (prevents scanning cached registry files)
- deny.toml: reformat with taplo (tab indentation, proper spacing)
- pezpallets: add Apache-2.0 SPDX license header to 51 files missing headers
  (referral, trust, perwerde, pez-treasury, pez-rewards, welati, token-wrapper,
   messaging, staking-score, presale, identity-kyc)
- ci: check-zepter: prepend $HOME/.cargo/bin to PATH after cargo install
  so newly installed 1.82.1 takes precedence over system 1.78.2
- identity-kyc: fix clippy::needless_borrows_for_generic_args at lib.rs:326

.gitlab-ci.yml

@@ -103,6 +103,7 @@ check-zepter:
   script:
     - cargo metadata --format-version=1 --locked > /dev/null
     - cargo install zepter@1.82.1 --force
+    - export PATH="$HOME/.cargo/bin:$PATH"
     - zepter --version
     - zepter run check