payments: don't let check() reverse an in-flight lightning send

check() skipped pending payments younger than 10s, but xpay retries for
30s (retry_for: 30). During that window listpays can transiently show all
parts failed before the winning part lands, so check() could reverse a
payment sendLightning was still driving; the part then completed and
finalize() ran against an already-removed record.

- check(): raise the skip threshold 10s -> 60s so sendLightning finishes
  finalize()/reverse() and removes the payment from `pending` before
  check() ever touches it.
- finalize(): if the record is gone, raise a clear error instead of a
  cryptic null-deref.

Co-Authored-By: Claude Opus 4.8 (1M context) <[email protected]>

0 files changed, 0 insertions, 0 deletions