The settings and stats endpoints were returning 403 for users accessing via
ST->MT because the AccessPolicy identity was routed to the access checker,
which doesn't know about these resources.
This fix handles 'settings' and 'stats' resources before the access checker
path, routing them to the role-based authorization that allows:
- settings: Viewer role (read-only, needed by frontend)
- stats: Admin role (can leak information)