Add !adv alias, hospital insurance billing, wordle/UNO earnings tracking, streak death protection

- Add !adv shorthand for !adventure commands and DM replies
- Hospital bill now shows insurance deduction and amount due
- Refactor hospital nudge from per-goroutine sleep to shared ticker
- Dead players' streaks are frozen; grace period on revival day
- Track wordle earnings in wordle_stats, show in !stats and superstats
- Show UNO net earnings and trivia accuracy % in superstats
- Disable sentiment/profanity emoji reactions (classification still logs)
- Add URL_PREVIEW_IGNORE_USERS env var to skip bot users
- Add DISABLE_WOTD_POST env var, remove unused wotd.Prefetch()
- README updates for all of the above

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

internal/db/db.go

@@ -81,6 +81,7 @@ func runMigrations(d *sql.DB) error {
 		`ALTER TABLE adventure_characters ADD COLUMN babysit_skill_focus TEXT NOT NULL DEFAULT ''`,
 		`ALTER TABLE adventure_characters ADD COLUMN hospital_visits INTEGER NOT NULL DEFAULT 0`,
 		`ALTER TABLE adventure_characters ADD COLUMN robbie_visit_count INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE wordle_stats ADD COLUMN total_earned INTEGER NOT NULL DEFAULT 0`,
 	}
 	for _, stmt := range columnMigrations {
 		if _, err := d.Exec(stmt); err != nil {