fix(sim): cap crash point so extreme seeds cannot overflow or bankrupt

At u=1 the unsigned quotient exceeded int64 and wrapped negative, so the
rarest and most valuable outcome silently became an instant 1.00x loss.
At u=2 it produced a 2.1-billion-times payout the house could never
cover, which would have left settlement failing and the player unpaid.
The crash point is now capped at the largest multiplier the curve can
express, which is unreachable anyway since the round hits its tick
ceiling first.

FromInt now panics outside the Q32.32 integer range instead of wrapping
a positive input into a negative value.

Raises coverage to 88% overall; adds a Makefile with db-reset, since the
append-only ledger steadily consumes bridge headroom across test runs.

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>

pkg/room/room.go

@@ -44,28 +44,28 @@ const (
 
 // Bet is one player's position in the current round.
 type Bet struct {
-	AccountID  int64
-	Pubkey     []byte
-	Nickname   string
-	StakeMsat  int64
+	AccountID   int64
+	Pubkey      []byte
+	Nickname    string
+	StakeMsat   int64
 	CashedOutAt fixed.F // zero until they cash out
-	PayoutMsat int64
+	PayoutMsat  int64
 }
 
 // Snapshot is what clients render. It carries the seed inputs so a client can
 // verify the round the moment it settles.
 type Snapshot struct {
-	RoundID     int64     `json:"round_id"`
-	Game        string    `json:"game"`
-	State       State     `json:"state"`
-	Tick        int       `json:"tick"`
-	Multiplier  string    `json:"multiplier"`
-	Commitment  string    `json:"commitment"`
-	ServerSeed  string    `json:"server_seed,omitempty"`  // only once settled
-	CrashPoint  string    `json:"crash_point,omitempty"`  // only once settled
-	Players     []Player  `json:"players"`
+	RoundID      int64    `json:"round_id"`
+	Game         string   `json:"game"`
+	State        State    `json:"state"`
+	Tick         int      `json:"tick"`
+	Multiplier   string   `json:"multiplier"`
+	Commitment   string   `json:"commitment"`
+	ServerSeed   string   `json:"server_seed,omitempty"` // only once settled
+	CrashPoint   string   `json:"crash_point,omitempty"` // only once settled
+	Players      []Player `json:"players"`
 	HousePotMsat int64    `json:"house_pot_msat"`
-	NextPhaseIn float64   `json:"next_phase_in_seconds"`
+	NextPhaseIn  float64  `json:"next_phase_in_seconds"`
 }
 
 // Player is the public view of a participant.