Fix streak grace period, UNO earnings, hospital UX, wordle/lottery atomicity

- Streak grace now checks LastDeathDate instead of LastActionDate (was
  suppressing streak updates for all active players)
- UNO single-player earnings use net payout (minus wager) not gross
- Hospital sends error message on save failure instead of silent no-op
- Wordle total_earned update moved into stats transaction
- Lottery ticket inserts + community pot add wrapped in single transaction
  with euro refund on failure
- Lottery fixed-tier ticket prize updated with actual prorated amount
- Added last_death_date column to adventure_characters

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

internal/plugin/adventure_hospital.go

@@ -35,10 +35,9 @@ func (p *AdventurePlugin) handleHospitalCmd(ctx MessageContext) error {
 		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 p.SendDM(ctx.Sender, "Something went wrong at the hospital. Try again in a moment.")
 		}
-		return nil
+		return p.SendDM(ctx.Sender, nurseJoyAlreadyRevived)
 	}
 
 	// Compute costs