Move .env into skills/ for easy install

- Added skills/_env_loader.py - shared env loader for all scripts
- Updated 17 scripts to use load_unified_env()
- Updated install-skills.sh to copy .env into skills/
- Updated README with simpler OpenClaw install instructions
- .env in skills/ is gitignored (credentials stay private)

skills/alphaear-predictor/scripts/kronos_predictor.py

@@ -6,17 +6,16 @@ from typing import List, Optional
 from loguru import logger
 from pandas.tseries.offsets import BusinessDay
 import os
-from dotenv import load_dotenv
-
-load_dotenv(os.path.expanduser("~/.config/opencode/.env"))
-
-# Fix for Kronos internal imports
 import sys
 
 KRONOS_DIR = os.path.join(os.path.dirname(__file__), "predictor")
 if KRONOS_DIR not in sys.path:
     sys.path.append(KRONOS_DIR)
 
+from skills._env_loader import load_unified_env
+
+load_unified_env()
+
 import glob
 from sentence_transformers import SentenceTransformer