adding abilities, created skill tree template and unlock mechanics

api/app/data/abilities/phantasmal_killer.yaml

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+# Phantasmal Killer - Lorekeeper Illusionist ability
+# Psychic damage + fear
+
+ability_id: "phantasmal_killer"
+name: "Phantasmal Killer"
+description: "Conjure a nightmarish illusion that terrifies and damages your target"
+ability_type: "spell"
+base_power: 55
+damage_type: "arcane"
+scaling_stat: "charisma"
+scaling_factor: 0.6
+mana_cost: 42
+cooldown: 4
+is_aoe: false
+target_count: 1
+effects_applied:
+  - effect_id: "terrified"
+    name: "Terrified"
+    effect_type: "debuff"
+    duration: 3
+    power: 30
+    stat_affected: null
+    stacks: 1
+    max_stacks: 1
+    source: "phantasmal_killer"