Return why the managed layer is absent from merged, if it is.
Every reader here gates on user.status.usable and then merges. None
inspected the managed status, so an unreadable managed layer merged as
{} and the user's own values applied unopposed — with a warning about
the user's file and nothing about the policy that vanished. The startup
gate normally prevents an unusable managed snapshot from being observed,
so this covers the gate-exempt commands and any future entry point that
forgets it.