Add hospital revival, Robbie bandit, MW/shop fixes, float64 scoring

- St. Guildmore's Memorial Hospital: !hospital command with Nurse Joy,
  procedural itemized billing, same-day revival, 6-hour dead timer,
  hospital ad after death, 2-hour nudge follow-up
- Robbie the Friendly Bandit: automated inventory cleaner, random daily
  visits (8-21 UTC, 40% chance), collects sub-tier gear at €50/item,
  donates to community pot, drops Get Out of Medical Debt Free card
- Fix MW auto-equip: T1 MW no longer replaces better equipped gear
- Fix shop MW block: allow purchasing upgrades over lower-tier MW
- Float64 equipment scoring: advEffectiveTier and advEquipmentScore
  return float64, no mid-calculation truncation (MW 1.25x, Arena 1.5x)
- Fix markdown rendering: convert *asterisk* to _underscore_ italics
  across all flavor text files (shop, blacksmith, rival, hospital)

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

internal/plugin/adventure_hospital.go

@@ -0,0 +1,259 @@
+package plugin
+
+import (
+	"fmt"
+	"log/slog"
+	"strings"
+	"time"
+
+	"maunium.net/go/mautrix/id"
+)
+
+// ── Pending Interaction Types ──────────────────────────────────────────────
+
+type advPendingHospitalPay struct {
+	Cost int64 // after-insurance amount (recomputed at confirm time for TOCTOU safety)
+}
+
+// ── Hospital Command ───────────────────────────────────────────────────────
+
+func (p *AdventurePlugin) handleHospitalCmd(ctx MessageContext) error {
+	char, err := loadAdvCharacter(ctx.Sender)
+	if err != nil {
+		return p.SendDM(ctx.Sender, "You're not registered for Adventure yet. Type `!adventure` to begin.")
+	}
+
+	// If alive, reject
+	if char.Alive {
+		text, _ := advPickFlavor(nurseJoyAlive, ctx.Sender, "hospital_alive")
+		return p.SendDM(ctx.Sender, text)
+	}
+
+	// On-demand revive if death timer already expired
+	if char.DeadUntil != nil && time.Now().UTC().After(*char.DeadUntil) {
+		char.Alive = true
+		char.DeadUntil = nil
+		if err := saveAdvCharacter(char); err != nil {
+			slog.Error("hospital: on-demand revive failed", "user", char.UserID, "err", err)
+		} else {
+			p.SendDM(ctx.Sender, nurseJoyAlreadyRevived)
+		}
+		return nil
+	}
+
+	// Compute costs
+	beforeInsurance := int64(char.CombatLevel) * 125_000
+	afterInsurance := int64(char.CombatLevel) * 25_000
+
+	// Check balance
+	balance := p.euro.GetBalance(ctx.Sender)
+	if balance < float64(afterInsurance) {
+		// Can't afford — back to the ditch
+		text, _ := advPickFlavor(nurseJoyCantAfford, ctx.Sender, "hospital_broke")
+		p.SendDM(ctx.Sender, text)
+
+		// Room announcement
+		gr := gamesRoom()
+		if gr != "" {
+			p.SendMessage(gr, fmt.Sprintf(hospitalDitchAnnounce, char.DisplayName))
+		}
+		return nil
+	}
+
+	// Check if holiday for bill surcharge
+	isHol, _ := isHolidayToday()
+
+	// Build the full multi-act DM
+	var sb strings.Builder
+
+	// Act 1 — Admission
+	if char.HospitalVisits == 0 {
+		sb.WriteString(nurseJoyFirstVisit)
+	}
+
+	admission, _ := advPickFlavor(nurseJoyAdmission, ctx.Sender, "hospital_admit")
+	sb.WriteString(admission)
+	sb.WriteString("\n\n")
+
+	// Act 2 — The Bill (before insurance)
+	sb.WriteString(generateItemizedBill(beforeInsurance, char.HospitalVisits, isHol))
+	sb.WriteString("\n\n")
+
+	delivery, _ := advPickFlavor(nurseJoyBillDelivery, ctx.Sender, "hospital_delivery")
+	sb.WriteString(delivery)
+	sb.WriteString("\n\n───\n\n")
+
+	// Act 3 — After Insurance
+	afterText, _ := advPickFlavor(nurseJoyAfterInsurance, ctx.Sender, "hospital_after")
+	// Some entries have two %d placeholders (she says the number twice)
+	count := strings.Count(afterText, "%d")
+	switch count {
+	case 1:
+		afterText = fmt.Sprintf(afterText, afterInsurance)
+	case 2:
+		afterText = fmt.Sprintf(afterText, afterInsurance, afterInsurance)
+	}
+	sb.WriteString(afterText)
+	sb.WriteString("\n\n")
+
+	// Payment prompt
+	sb.WriteString(fmt.Sprintf("**St. Guildmore's Memorial Hospital**\nAmount due: **€%d**\n\n", afterInsurance))
+	sb.WriteString("Pay now? (yes / no)\n\n")
+	sb.WriteString("*Note: Declining payment will result in discharge to the natural respawn queue. " +
+		"You'll be back tomorrow. The chair in the waiting room is available in the meantime.*")
+
+	// Store pending interaction
+	p.pending.Store(string(ctx.Sender), &advPendingInteraction{
+		Type:      "hospital_pay",
+		Data:      &advPendingHospitalPay{Cost: afterInsurance},
+		ExpiresAt: time.Now().Add(advDMResponseWindow),
+	})
+	p.advMarkMenuSent(ctx.Sender)
+
+	return p.SendDM(ctx.Sender, sb.String())
+}
+
+// ── Payment Resolution ─────────────────────────────────────────────────────
+
+func (p *AdventurePlugin) resolveHospitalPay(ctx MessageContext, interaction *advPendingInteraction) error {
+	reply := strings.TrimSpace(strings.ToLower(ctx.Body))
+
+	if reply == "yes" || reply == "y" {
+		// Acquire lock
+		mu := p.advUserLock(ctx.Sender)
+		mu.Lock()
+		defer mu.Unlock()
+
+		// Reload fresh (TOCTOU protection)
+		char, err := loadAdvCharacter(ctx.Sender)
+		if err != nil {
+			return p.SendDM(ctx.Sender, "Something went wrong loading your character.")
+		}
+
+		// Already alive (or timer expired while they were deciding)?
+		if char.Alive {
+			return p.SendDM(ctx.Sender, nurseJoyAlreadyRevived)
+		}
+		if char.DeadUntil != nil && time.Now().UTC().After(*char.DeadUntil) {
+			char.Alive = true
+			char.DeadUntil = nil
+			_ = saveAdvCharacter(char)
+			return p.SendDM(ctx.Sender, nurseJoyAlreadyRevived)
+		}
+
+		// Recompute cost from current combat level (don't trust cached value)
+		cost := int64(char.CombatLevel) * 25_000
+
+		// Check balance
+		balance := p.euro.GetBalance(ctx.Sender)
+		if balance < float64(cost) {
+			text, _ := advPickFlavor(nurseJoyCantAfford, ctx.Sender, "hospital_broke")
+			p.SendDM(ctx.Sender, text)
+
+			gr := gamesRoom()
+			if gr != "" {
+				p.SendMessage(gr, fmt.Sprintf(hospitalDitchAnnounce, char.DisplayName))
+			}
+			return nil
+		}
+
+		// Debit
+		if !p.euro.Debit(ctx.Sender, float64(cost), "hospital_revival") {
+			text, _ := advPickFlavor(nurseJoyCantAfford, ctx.Sender, "hospital_broke")
+			return p.SendDM(ctx.Sender, text)
+		}
+
+		// Revive
+		char.Alive = true
+		char.DeadUntil = nil
+		char.HospitalVisits++
+		if err := saveAdvCharacter(char); err != nil {
+			slog.Error("hospital: failed to save character after revival", "user", char.UserID, "err", err)
+			// Refund on save failure
+			p.euro.Credit(ctx.Sender, float64(cost), "hospital_revival_refund")
+			return p.SendDM(ctx.Sender, "Something went wrong during recovery. Your payment has been refunded.")
+		}
+
+		// Discharge DM
+		p.SendDM(ctx.Sender, fmt.Sprintf(
+			"✅ **Discharged — you're alive!**\n\n"+
+				"€%d deducted. Nurse Joy wishes you the best. "+
+				"She means it. She always means it.\n\n"+
+				"Go get 'em. Type `!adventure` when you're ready.",
+			cost))
+
+		// Room announcement
+		gr := gamesRoom()
+		if gr != "" {
+			p.SendMessage(gr, fmt.Sprintf(hospitalDischargeAnnounce, char.DisplayName))
+		}
+
+		return nil
+	}
+
+	// Declined or anything else — back to the ditch
+	p.SendDM(ctx.Sender, "Understood. Nurse Joy nods cheerfully and signals the orderlies. "+
+		"You're wheeled back to where they found you.\n\n"+
+		"Natural respawn will occur in due time. Rest up.")
+
+	char, err := loadAdvCharacter(ctx.Sender)
+	if err == nil {
+		gr := gamesRoom()
+		if gr != "" {
+			p.SendMessage(gr, fmt.Sprintf(hospitalDitchAnnounce, char.DisplayName))
+		}
+	}
+
+	return nil
+}
+
+// ── Hospital Ad (sent after death) ─────────────────────────────────────────
+
+func (p *AdventurePlugin) sendHospitalAd(userID id.UserID, char *AdventureCharacter) {
+	cost := int64(char.CombatLevel) * 25_000
+	respawnTime := "unknown"
+	if char.DeadUntil != nil {
+		respawnTime = char.DeadUntil.Format("15:04")
+	}
+
+	text := fmt.Sprintf(
+		"🏥 **St. Guildmore's Memorial Hospital**\n\n"+
+			"Nurse Joy has been notified. A bed is being prepared.\n\n"+
+			"Type `!hospital` to check in for same-day revival.\n"+
+			"Cost estimate: €%d (after Guild insurance)\n\n"+
+			"Or rest up — natural respawn at %s UTC.",
+		cost, respawnTime)
+
+	go func() {
+		time.Sleep(3 * time.Second)
+		if err := p.SendDM(userID, text); err != nil {
+			slog.Error("hospital: failed to send hospital ad", "user", userID, "err", err)
+		}
+		p.scheduleHospitalNudge(userID)
+	}()
+}
+
+// ── Hospital Nudge (2-hour follow-up) ──────────────────────────────────────
+
+func (p *AdventurePlugin) scheduleHospitalNudge(userID id.UserID) {
+	go func() {
+		time.Sleep(2 * time.Hour)
+
+		char, err := loadAdvCharacter(userID)
+		if err != nil || char.Alive {
+			return // already revived or error
+		}
+
+		// Don't nudge if already in hospital flow
+		if val, ok := p.pending.Load(string(userID)); ok {
+			if pi, ok := val.(*advPendingInteraction); ok && pi.Type == "hospital_pay" {
+				return
+			}
+		}
+
+		text, _ := advPickFlavor(nurseJoyNudge, userID, "hospital_nudge")
+		if err := p.SendDM(userID, text); err != nil {
+			slog.Error("hospital: failed to send nudge", "user", userID, "err", err)
+		}
+	}()
+}