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_scheduler.go

@@ -314,14 +314,10 @@ func (p *AdventurePlugin) midnightReset() error {
 		}
 
 		if !char.ActionTakenToday {
-			// If the player was recently dead (revived today but couldn't act
-			// in time), preserve their streak instead of resetting it.
-			// We detect this by checking if LastActionDate was yesterday —
-			// they were active, then died, and couldn't act on revival day.
-			recentlyDead := char.LastActionDate == today ||
-				char.LastActionDate == time.Now().UTC().Add(-24*time.Hour).Format("2006-01-02")
-			if recentlyDead {
-				// Grace period — don't shame, don't reset
+			// If the player died today (or yesterday — covering late-night deaths
+			// that span midnight), grant a grace period: no shame, no streak reset.
+			if char.LastDeathDate == today ||
+				char.LastDeathDate == time.Now().UTC().Add(-24*time.Hour).Format("2006-01-02") {
 				continue
 			}