Every seeded medewerker carries a TOTP credential, so Keycloak's conditional-OTP
step in both the browser and direct-grant flows always challenges them; a password
alone no longer yields a token. CONFIGURE_TOTP becomes a default required action so
any medewerker added later must enrol before logging in.
Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>