feat(economy): tighten credit earning + deduct on request

Credit economy changes:
- creditsPerMinute: 10 -> 2 (45min episode = 90 COOP vs 450)
- movieRequestCost: 100 -> 500 (~5.5 episodes per movie)
- tvRequestCost: 200 -> 1000 (~11 episodes per season)
- tvPerSeasonCost: 50 -> 250

Race condition fix:
- Credits now deducted immediately at request time
- No more multiple requests before approval
- On DECLINED: automatic refund with ADJUSTMENT transaction
- On APPROVED: no extra deduction (already paid)

Updated schema defaults and all code fallbacks.

backend/src/routes/overseer.ts

@@ -25,9 +25,9 @@ router.get(
 		const settings = await prisma.systemSettings.findFirst();
 
 		res.json({
-			movie: settings?.movieRequestCost || 100,
-			tv: settings?.tvRequestCost || 200,
-			tvPerSeason: settings?.tvPerSeasonCost || 50,
+			movie: settings?.movieRequestCost || 500,
+			tv: settings?.tvRequestCost || 1000,
+			tvPerSeason: settings?.tvPerSeasonCost || 250,
 		});
 	}),
 );
@@ -55,11 +55,11 @@ router.get(
 		res.json({
 			hasWallet: true,
 			balance: dbBalance,
-			canRequestMovie: dbBalance >= (settings?.movieRequestCost || 100),
-			canRequestTV: dbBalance >= (settings?.tvRequestCost || 200),
+			canRequestMovie: dbBalance >= (settings?.movieRequestCost || 500),
+			canRequestTV: dbBalance >= (settings?.tvRequestCost || 1000),
 			costs: {
-				movie: settings?.movieRequestCost || 100,
-				tv: settings?.tvRequestCost || 200,
+				movie: settings?.movieRequestCost || 500,
+				tv: settings?.tvRequestCost || 1000,
 			},
 		});
 	}),
@@ -108,11 +108,11 @@ router.post(
 		// Calculate cost
 		let cost = 0;
 		if (mediaType === "movie") {
-			cost = settings?.movieRequestCost || 100;
+			cost = settings?.movieRequestCost || 500;
 		} else if (mediaType === "tv") {
-			cost = settings?.tvRequestCost || 200;
+			cost = settings?.tvRequestCost || 1000;
 			if (seasons && seasons.length > 1) {
-				cost += (seasons.length - 1) * (settings?.tvPerSeasonCost || 50);
+				cost += (seasons.length - 1) * (settings?.tvPerSeasonCost || 250);
 			}
 		}
 
@@ -126,7 +126,7 @@ router.post(
 			});
 		}
 
-		// Create request in Overseer
+		// Create request in Overseer first
 		const overseerRequest = await overseerClient.post("/request", {
 			mediaType,
 			mediaId,
@@ -147,11 +147,37 @@ router.post(
 			},
 		});
 
+		// Deduct credits immediately to prevent race condition
+		const transaction = await prisma.transaction.create({
+			data: {
+				userId: user.id,
+				type: "SPEND",
+				amount: cost,
+				requestId: request.id,
+				description: `Request: ${title}`,
+				contentTitle: title,
+			},
+		});
+
+		await prisma.user.update({
+			where: { id: user.id },
+			data: {
+				totalSpent: { increment: cost },
+			},
+		});
+
+		// Emit real-time spend update
+		io.to(`user:${user.id}`).emit("credits_spent", {
+			amount: cost,
+			title,
+			transaction,
+		});
+
 		res.json({
 			success: true,
 			request,
 			cost,
-			message: "Request submitted. Credits will be deducted when approved.",
+			message: `Request submitted. ${cost} $COOP deducted.`,
 		});
 	}),
 );
@@ -182,35 +208,31 @@ router.post(
 			data: { status },
 		});
 
-		// If approved, deduct credits
-		if (status === "APPROVED" && !request.user.totalSpent) {
-			// Note: Actual burning would happen here
-			// For now, we just record the transaction
-
-			const transaction = await prisma.transaction.create({
+		// Credits were already deducted at request time.
+		// On approval: just confirm and link transaction to request.
+		// On decline: refund credits back to user.
+		if (status === "DECLINED") {
+			const refundTransaction = await prisma.transaction.create({
 				data: {
 					userId: request.userId,
-					type: "SPEND",
+					type: "ADJUSTMENT",
 					amount: request.creditsCost,
-					requestId: request.id,
-					description: `Request: ${request.title}`,
+					description: `Refunded: ${request.title}`,
 					contentTitle: request.title,
 				},
 			});
 
-			// Update user stats
 			await prisma.user.update({
 				where: { id: request.userId },
 				data: {
-					totalSpent: { increment: request.creditsCost },
+					totalSpent: { decrement: request.creditsCost },
 				},
 			});
 
-			// Emit update
-			io.to(`user:${request.userId}`).emit("credits_spent", {
+			io.to(`user:${request.userId}`).emit("bonus_received", {
 				amount: request.creditsCost,
-				title: request.title,
-				transaction,
+				reason: `Refunded: ${request.title}`,
+				transaction: refundTransaction,
 			});
 		}