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/plugin/adventure_flavor_hospital.go

@@ -114,7 +114,7 @@ var hospitalFrequentCustomer = hospitalBillItem{
 }
 
 // generateItemizedBill builds a procedural hospital bill that sums to the given total.
-func generateItemizedBill(total int64, hospitalVisits int, isHoliday bool) string {
+func generateItemizedBill(total int64, afterInsurance int64, hospitalVisits int, isHoliday bool) string {
 	// Shuffle and pick 8-12 items from the pool
 	pool := make([]hospitalBillItem, len(hospitalBillPool))
 	copy(pool, hospitalBillPool)
@@ -218,6 +218,27 @@ func generateItemizedBill(total int64, hospitalVisits int, isHoliday bool) strin
 	sb.WriteString(strings.Repeat(" ", padding))
 	sb.WriteString(formatBillAmount(total))
 	sb.WriteByte('\n')
+
+	insLabel := "Guild Adventurer's Insurance"
+	insPadding := maxName - len(insLabel) + 2
+	if insPadding < 2 {
+		insPadding = 2
+	}
+	sb.WriteString(insLabel)
+	sb.WriteString(strings.Repeat(" ", insPadding))
+	sb.WriteString("-" + formatBillAmount(total-afterInsurance))
+	sb.WriteByte('\n')
+
+	sb.WriteString("─────────────────────────────────\n")
+	oweLabel := "AMOUNT DUE"
+	owePadding := maxName - len(oweLabel) + 2
+	if owePadding < 2 {
+		owePadding = 2
+	}
+	sb.WriteString(oweLabel)
+	sb.WriteString(strings.Repeat(" ", owePadding))
+	sb.WriteString(formatBillAmount(afterInsurance))
+	sb.WriteByte('\n')
 	sb.WriteString("```")
 
 	return sb.String()