Add a way to enforce collection mutations via actions disallowing inline mutations

It would be great if we had a way to enforce only being able to use mutations like someCollection.insert inside of actions.

e.g.

This is allowed

const addTodo = createOptimisticAction<string>({
  onMutate: (text) => {
    todoCollection.insert({
      id: uuid(),
      text,
      completed: false
    })
  },
 ....
})

This should be forbidden

<Button onClick={() =>     
todoCollection.insert({
      id: uuid(),
      text,
      completed: false
    })}>
</Button

Why

The more I have used Tanstack DB the more I have realized almost all mutations I do have some sort of side effects, making single mutations quite useless. I started only using optimistic actions but coding agents and teammates often fall into the trap on using inline muations again. a way to enforce to enforce mutations through actions would be great

Start by reading the collection mutation APIs and optimistic action APIs referenced in the examples to understand where inline mutations and action mutations are distinguished. Done means there is an enforceable way to reject collection mutations outside actions while preserving mutations inside actions; the issue names no files or tests to run.