fix: loop-B adversarial findings — tip-type double-charge, tip-refund capacity, loyalty stamp farming, gate ordering, auth amplification, admin audit log

Loop B restart (money/security/dup-mod adversarial) fixes:
- CRITICAL: CreateTerminalPayment rejects payment_type='tip' (mirrors CreateBookingPayment) — a tip-typed admin charge no longer records the FULL amount as a tip and double-collects (all is-paid computations exclude tip rows)
- HIGH: tip refunds can no longer re-open booking capacity — refunded_total subqueries filter payment_type <> 'tip' (service.go) and RefundPayment rejects tip rows
- MEDIUM: loyalty-stamp farming closed — stamp award once-per-booking via loyalty_stamp_awarded_at column (init-script.sql) + existing same-day guard
- MEDIUM: CreateTipPayment/CreateBookingPayment 2FA gates moved AFTER the idempotency completed-dedup (code consumed only on new money paths; terminal path already correct) — lost-response retries return the completed payment instead of 400
- MEDIUM: replayRescueLowerBoundSkew widened to 5m (DB-clock-skew stranded originals now rescued)
- MEDIUM-1: verifyFamilyAlive DB amplification reduced via 30s bounded family-alive cache; admin route group rate-limited
- MEDIUM-3: admin saved-card charges now write admin_audit_log (handlers.go helper + till); [2FA] log line decoupled from user identity
- LOW-1: logout scoped to the presented token's family (no cross-session kill)
- LOW-2: refresh-reuse grace widened for same-IP replays
- LOW-4: squareEnvironmentMismatch enforced for empty env
- LOW-5: uuid.ts hard-fails on Math.random fallback (crypto.randomUUID)
- Cash/giftcard tip-enabled overflow mirrors the card-terminal carve

26/26 backend packages; 72/72 frontend tests + build; env-docs 41/41.

backend/handlers/webhooks/square.go

@@ -153,17 +153,17 @@ func webhookDBContext() (context.Context, context.CancelFunc) {
 // squareEnvironmentMismatch reports whether the webhook's square-environment
 // header conflicts with the deployment's configured SQUARE_ENVIRONMENT.
 //
-// The check is enforced ONLY when the configured environment is a known real
-// Square environment (production/sandbox): those are the deployments where a
-// mis-pointed subscription (e.g. a sandbox subscription posting to the
-// production URL + signing key) would process events against the wrong state.
-// In dev/mock deployments — or an empty/unknown SQUARE_ENVIRONMENT, which the
-// rest of the backend treats as fail-closed production but is not a specific
-// real environment to compare against — the header is informational and a
-// mismatch is not rejectable. The dev/mock determination delegates to the
-// shared payments.IsExplicitDevOrMockEnv (handlers/payments/twofa.go) rather
-// than re-implementing the env-value list, so this check and the 2FA gate can
-// never diverge on what counts as the dev/mock stack.
+// The check is enforced for every non-dev/mock deployment: configured
+// production and sandbox are compared directly, and an EMPTY or UNKNOWN
+// configured SQUARE_ENVIRONMENT is treated as PRODUCTION (LOW-4) — matching how
+// the rest of the backend treats empty/unknown env fail-closed (main.go:214
+// and payments twofa.go:40-42) — so a sandbox subscription mis-pointed at an
+// unconfigured production URL cannot process sandbox events against production
+// state. In dev/mock deployments the header is informational and a mismatch is
+// not rejectable; the dev/mock determination delegates to the shared
+// payments.IsExplicitDevOrMockEnv (handlers/payments/twofa.go) rather than
+// re-implementing the env-value list, so this check and the 2FA gate can never
+// diverge on what counts as the dev/mock stack.
 //
 // An absent header is allowed through: real Square deliveries always send it,
 // so a missing header in an enforced deployment is a non-Square client (which
@@ -189,10 +189,11 @@ func squareEnvironmentMismatch(headerEnv string) bool {
 		return false
 	}
 	configured := strings.ToLower(strings.TrimSpace(os.Getenv("SQUARE_ENVIRONMENT")))
-	if configured != "production" && configured != "sandbox" {
-		// Empty/unknown configured environment — no specific real environment
-		// to enforce against; the header is informational only.
-		return false
+	if configured != "sandbox" {
+		// Empty/unknown configured environment is treated as PRODUCTION for the
+		// env check (LOW-4), matching the fail-closed production default the
+		// rest of the backend applies to empty/unknown SQUARE_ENVIRONMENT.
+		configured = "production"
 	}
 	return headerEnv != configured
 }