consumeBiometricChallenge was the odd one out: it used SERIALIZABLE
while the two other row-local CAS sites (consumeSessionForSign and
tryApproveOperation) used READ COMMITTED + GetForUpdate. For row-
local CAS the FOR UPDATE row lock already gives us the atomicity we
need; SERIALIZABLE adds cost and forces waiters to abort with 40001
instead of blocking. One pattern, one way.
Aligns with LLM.md's R2-2 note (READ COMMITTED + FOR UPDATE is the
canonical row-local CAS pattern for this repo).