Close the smaller state inconsistencies (B-96, BET-02, BET-07, WDR-01, WDR-15, TX-16, TX-18, TX-27, TX-29, DEP-15, DEP-16, AUD-30, AUD-46, DAT-22)

- bet/withdrawal routes read listener.client after taking the user lock
- a reduced full-balance withdrawal is checked against the minimum again
- a bet covered only by pending balance answers balance_pending_confirmation
- a recovered bet/withdrawal/payout writes bet_placed/withdrawal_sent/payout_sent
- an abandoned payout clears winner/fee/reserve amounts with payout_txid
- the reconciler pings SSE only for rows it changed
- closing_stalled every 30 minutes past the deadline; closing_waiting_since on /rounds/current
- one refresh per user at a time; a failed refresh no longer ends the Electrum session

Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>

docs/modello-dati.md

@@ -535,11 +535,7 @@ restano nella tabella come storico.
   *Codice:* `app/rounds/scheduler.py:RoundScheduler._trigger_payout` ·
   `app/tx/broadcast.py:_retarget_txid_references` · `app/tx/reconcile.py:_abandon` ·
   *Test:* `tests/unit/test_scheduler.py`, `tests/unit/test_broadcast.py`,
-  `tests/unit/test_reconcile.py`
-  *Stato:* da implementare (B-96) · *Oggi:* l'abbandono azzera solo
-  `payout_txid` e lascia `winner_amount_sats`, `fee_amount_sats` e
-  `bump_reserve_sats` del tentativo abbandonato (le riscrive il tentativo
-  successivo).
+  `tests/unit/test_reconcile.py`, `tests/unit/test_state_consistency.py`
 
 - **[DAT-60]** Ogni round ha il proprio indirizzo del montepremi,
   `pool_address`, derivato all'apertura da `m/84'/746'/0'/2/<id>` e scritto