Member: enforce email + Vereinfacht-required when get_settings fails

Compute vereinfacht_required? outside case; on error log and validate
only base required (email + Vereinfacht fields), not full settings.

lib/membership/member.ex

@@ -545,21 +545,35 @@ defmodule Mv.Membership.Member do
       end
     end
 
-    # Validate member fields that are marked as required in settings or by Vereinfacht
+    # Validate member fields that are marked as required in settings or by Vereinfacht.
+    # When settings cannot be loaded, we still enforce email + Vereinfacht-required fields.
     validate fn changeset, _context ->
+      vereinfacht_required? = Mv.Config.vereinfacht_configured?()
+
+      required_fields =
         case Mv.Membership.get_settings() do
           {:ok, settings} ->
             required_config = settings.member_field_required || %{}
             normalized = VisibilityConfig.normalize(required_config)
-          vereinfacht_required? = Mv.Config.vereinfacht_configured?()
 
-          required_fields =
             Enum.filter(Mv.Constants.member_fields(), fn field ->
               field == :email ||
                 (vereinfacht_required? && Mv.Constants.vereinfacht_required_field?(field)) ||
                 Map.get(normalized, field, false)
             end)
 
+          {:error, reason} ->
+            Logger.warning(
+              "Member required-fields validation: could not load settings (#{inspect(reason)}). " <>
+                "Enforcing only email and Vereinfacht-required fields."
+            )
+
+            Enum.filter(Mv.Constants.member_fields(), fn field ->
+              field == :email ||
+                (vereinfacht_required? && Mv.Constants.vereinfacht_required_field?(field))
+            end)
+        end
+
       missing =
         Enum.filter(required_fields, fn field ->
           value = Ash.Changeset.get_attribute(changeset, field)
@@ -569,17 +583,11 @@ defmodule Mv.Membership.Member do
       if Enum.empty?(missing) do
         :ok
       else
-            # Return first missing field error (Ash shows one at a time per field)
         field = hd(missing)
 
         {:error,
          field: field, message: Gettext.dgettext(MvWeb.Gettext, "default", "can't be blank")}
       end
-
-        {:error, _} ->
-          # If settings cannot be loaded, skip this validation (e.g. bootstrap)
-          :ok
-      end
     end
   end