Retrieves a list of predefined (system-provided) program templates that can be used to create standardized
programs. These templates are curated, ready-to-use program structures for common workflows such as
product launches, onboarding programs, or training initiatives.

Key Features:

• Lists all available predefined program templates
• Returns system-curated templates for common use cases
• Provides template metadata including title and description
• Shows template structure and default configurations
• Templates are maintained and updated by the system
• Can be applied to create programs with consistent structure
• List is finite and does not support pagination

Authorization Logic:

1. User must have a valid JWT token with viewing or management scopes
2. User must have program update permissions

Usage Example:

Retrieve predefined templates to display in a template selection gallery when creating a new program,
allowing users to choose from proven, standardized program structures for common business workflows.