Collapse a binary indicator matrix into a character vector of labels. For each
row, the labels of all columns equal to 1 are pasted together, comma-separated.
This is the inverse of multi-hot encoding: unlike one_hot2factor, which assumes
a single 1 per row, %BC% supports rows with multiple 1s (multi-label data, e.g.
multiple-choice survey responses, tags, or set membership). Rows of all zeros
return NA.