Actually load .env in the self-hosted and mail.tm entrypoints
Both setup guides say to copy .env.example to .env and fill it in, but nothing ever read that file -- Node doesn't load .env automatically, and neither entrypoint called anything that would. Anyone following the docs exactly hit "Missing required environment variable" on first run. Small dependency-free loader instead of pulling in dotenv: doesn't override a variable already set in the real environment, so `FOO=bar npm start` still wins over a stale .env value. Verified against a real .env file end to end, not just typechecked.
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