Local-first chat between people whose web of trust is still forming is a
natural phishing/scam vector, so messages may not contain URLs. A
conservative `containsUrl` rule (explicit scheme, www., or a common-TLD
domain — but not "3.5kg" or "12.30") gates it: the composer warns and
keeps the text for editing, and MessagesCubit.send drops any URL as a
backstop. Incoming text was already non-tappable (plain selectable text).
