fix(money): every terminal state a money row reaches now has a way out

[savvaniss]

Summary

Part of an estate-wide remediation of the 49-ticket defect register in audit.md, sequenced by the phase plan in upgrade.md. Each ticket was resolved against its own Done when boxes, then handed to an independent reviewer told to assume it was not fixed and to walk the ticket's How it fails scenario through the new code.

Verification

• pnpm typecheck passes across every workspace in this repo.
• Each ticket carries a reproduction of its documented failure, then evidence that it no longer occurs.
• Findings that survived adversarial review were sent back for a repair pass before landing.

What has NOT been verified

Stated plainly so review effort goes to the right places:

• No end-to-end run of the assembled stack. Typechecks and unit tests are not the same as driving the feature. docker compose build returns exit 0 while cancelling every target, so a green build here would prove nothing anyway.
• Some tickets in the wider programme came back partial or INCOMPLETE; where any of those touch this repo they are listed in the commit body rather than hidden.
• Documentation corrections were verified against source, but the estate has a history of docs drifting from code — treat prose changes as claims to check, not conclusions.

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