[gurnben]

Summary

Help was the last unwrapped output surface: cobra's default template renders flag usages via FlagUsages, which never wraps — long descriptions hard-wrapped at the terminal's right edge with continuations at column zero while the flags sat indented mid-line. Long descriptions rendered verbatim, and cobra's built-in completion summaries overflowed narrow terminals.

• Flag usages now wrap with continuations aligned under each description: the usage template is patched in place (not copied, so it tracks cobra's default across versions) to use pflag's FlagUsagesWrapped at the measured terminal width. Templates inherit from the root, covering every subcommand.
• Long descriptions re-wrap at runtime to the current width.
• The trailing Use "… [command] --help" hint breaks onto two lines below 78 columns.
• Cobra's built-in completion commands are hidden from the command list (their summaries don't fit narrow terminals; the commands remain invocable).
• Over-long command summaries shortened to fit the list column.
• The init --forge default URL moved out of the flag line into the usage text — an unbreakable token that cannot fit pflag's description column at narrow widths (the wizard still shows it as the placeholder, and empty --forge keeps the same default).

Verification

Every help screen (--help on root, run, init, report, ledger subcommands) captured in a PTY at 60 and 80 columns with ANSI-aware width measurement: zero over-width lines, continuations aligned. Full suite with race detector, vet, staticcheck clean.

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