Config initialization crashes when os.userInfo() fails in containers #29292

Description

In src/config/config.ts, the loadInstanceState function calls os.userInfo().username to set a default username when none is configured. In minimal Docker/OCI containers or sandboxed environments where the passwd entry is unavailable, os.userInfo() throws an error (ENOENT), causing the entire config initialization to fail.

The effect is wrapped with .pipe(Effect.orDie) at line 794, so the error propagates as a defect and prevents the application from starting.

Steps to reproduce

1. Run opencode in a minimal Docker container without /etc/passwd
2. Config initialization fails

Expected behavior

Config should fall back to a default username like "user" when os.userInfo() is unavailable.