Add housing/pets/Thom Krooke, wordle overhaul, boost system, backup strategy

Part 3 (Housing, Thom Krooke & Pets):
- Housing system with tiered upgrades, mortgage loans, FRED API rates
- Thom Krooke realtor NPC with !thom commands and !thom pay extra principal
- Pet system with arrival, naming, leveling, combat, morning defense
- Pet ditch recovery scales with level, name validation

Wordle overhaul:
- Remove daily expiration — puzzles persist until solved/failed
- Auto-start new puzzle after solve, fail, or skip
- Sequential puzzle IDs instead of date-based
- Auto-create puzzle on first guess if none active

Adventure fixes:
- Double XP/money boost toggle (!adv boost, admin only)
- Fix ensureCharacter wiping existing data on query errors
- Fix rival RPS format string bug
- Fix daily summary empty data (load today+yesterday logs)
- Fix holdem DM-to-room reply routing
- Fix Robbie payout to 25% of item value
- Add fishing to leaderboard and TwinBee calculations
- Add Thom to morning menu
- Persist mortgage rate across restarts via db.CacheGet/Set

Infrastructure:
- Daily database backup via VACUUM INTO with 7-day retention
- Admin DM notification on backup failure (async)
- Daily NPC house balance reset for holdem

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

internal/plugin/adventure_robbie.go

@@ -122,7 +122,11 @@ func (p *AdventurePlugin) robbieVisitPlayer(userID id.UserID, displayName string
 			continue
 		}
 		takenItems = append(takenItems, item)
-		totalPayout += 50
+		payout := item.Value / 4
+		if payout < 1 {
+			payout = 1
+		}
+		totalPayout += payout
 		communityTotal += item.Value
 		if item.Type == "MasterworkGear" {
 			masterworkTaken = true
@@ -246,14 +250,18 @@ func renderRobbieDM(userID id.UserID, items []AdvItem, total int64, mwTaken, gav
 	cardShownOnLine := false
 	for _, item := range items {
 		emoji := slotEmoji(item.Slot)
+		payout := item.Value / 4
+		if payout < 1 {
+			payout = 1
+		}
 		if item.Type == "MasterworkGear" {
-			sb.WriteString(fmt.Sprintf("  %s  %s (Masterwork T%d)   → €50", emoji, item.Name, item.Tier))
+			sb.WriteString(fmt.Sprintf("  %s  %s (Masterwork T%d)   → €%d", emoji, item.Name, item.Tier, payout))
 			if gaveCard && !cardShownOnLine {
 				sb.WriteString("  + 🃏 Get Out of Medical Debt Free card")
 				cardShownOnLine = true
 			}
 		} else {
-			sb.WriteString(fmt.Sprintf("  %s  %s (T%d)   → €50", emoji, item.Name, item.Tier))
+			sb.WriteString(fmt.Sprintf("  %s  %s (T%d)   → €%d", emoji, item.Name, item.Tier, payout))
 		}
 		sb.WriteByte('\n')
 	}