Drop a dust-sized change into the fee on an RBF bump and audit every refused bump (B-87, TX-11, TX-24, AUD-40, AUD-09, ADR-19)

`bump_fee` only required `change > fee delta`. A change at the 294 sat minimum (a full-balance
withdrawal) shrank to ~153 sat after the very first minimum bump, relay policy refuses a
replacement with a sub-dust output, and the bumper tried again every 30 seconds for ever, with
nothing but a log line to show for it.

- When what would be left of the reducible output (the user's change, a payout's bump
  reserve) is under DUST_LIMIT_SATS the output is dropped and its whole value goes to the fee:
  that replacement is valid and the last one possible. If the output does not exist, or even
  its whole value is below BIP125's minimum increase (vsize x 1 sat/vB), RbfError. The
  recorded fee rate uses the replacement's own, smaller, size.
- RbfError now carries a `reason` (`change_too_small`, `max_fee_rate`, `replacement_rejected`);
  RbfBumper._record_failure writes one `rbf_bump_failed` row {pending_transaction_id, kind,
  txid, reason, message[:200]} with the row's user_id/round_id, in a transaction of its own,
  once per (current txid, reason) - the audit log is the dedupe clock (AUD-09) - and the pending
  row is untouched. A new txid or a new reason writes a new row.
- bump_fee's docstring no longer cites the "bet without change" case that B-62 removed.

No existing test changed (all bumps they make leave a change well above dust). New
tests/unit/test_rbf_dust.py: the 294 sat case end to end (recipient untouched, whole change to
the fee, last bump impossible), the exact boundary (leaves 294 kept / leaves 293 dropped), a
change under the minimum increase, a payout's reserve dropped with the winner and fee outputs
byte-identical, and the audit rows for each reason, once per pair, new row on a new txid or
reason, round/user attribution. Mutation-checked: the dust test of the output and the
once-per-pair check each fail tests.

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

README.md

@@ -62,7 +62,7 @@ python -m pytest                    # all tests
 python -m pytest tests/unit/test_hd.py   # one file
 ```
 
-670 unit tests cover HD derivation, PSBT building, the Electrum client, bets,
+681 unit tests cover HD derivation, PSBT building, the Electrum client, bets,
 deposits, withdrawals, the round/draw engine, RBF fee-bumping, admin config,
 the pending-inclusive balance calculation, and the SSE push channel. No
 automated integration tests against a live Electrum connection — mainnet