feat: perf: Implement Redis caching layer for active chat room participant rosters (Closes #550)

[Pratikshya32]

Critical Architectural Contribution

This PR resolves the critical requirements of #550.

Changes

• Added solution template for backend/services/roster_cache.py.
• Outlined verification roadmap in docs/improvements/critical_chat_550.md.

Closes #550

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Reviewing files that changed from the base of the PR and between 48e8f3e and 2afc23f.

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• docs/improvements/critical_chat_550.md

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