A Lightning payment that can't be covered says why, not 'Payment failed'

A user renewed all ten of their coins (55,611 sats) from the coins page,
tried to pay a 55,300-sat invoice three minutes later, and was told only
'Payment failed'. Nothing had failed: the renewal's round ran at once,
but its coins stay unspendable until the round's transaction confirms
on-chain, and that block took 64 minutes. The quote found no spendable
coin and gave up with the generic message; nothing reached the server.

- The quote now tells apart (lnShortfall): money held by another payment
  (wait, as before — now by sum, not one coin covering it all), money a
  renewal holds ('Nothing was sent. N sats are being renewed…'), and a
  real shortfall ('needs X sats with its fee, Y available'). Coins leaving
  in an offboard or exit are never waited for.
- The manager's 'insufficient ark balance' names a renewal too.
- The coins page says before the tap that renewed coins can't be spent
  until the round confirms, and that renewing every coin leaves nothing
  to pay with meanwhile.

tools/ark/ln-shortfall-test.js

Co-Authored-By: Claude Fable 5.1 <[email protected]>
Claude-Session: https://claude.ai/code/session_01ULQZS9MQa6iAsXnrJUD9Du

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