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zeekay 2093bdd40f gateway: a failed row never buries a credit still owed back
fail() checked for a credit, then wrote the row failed in a separate swap.
A credit marked owed between the two ended on a failed row, which nothing
looks at again: money credited and never taken back. The last write now
refuses while a credit is owed and not reversed, so the row stays open
and the reconciler reverses it on its next pass.

Adds the three race regressions Red's second pass wrote against the rail.

Claude-Session: https://claude.ai/code/session_015XYKLoQYzUebNbaqKWPw2C
2026-10-29 23:17:33 -07:00
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