Money labels say what they mean

Nothing owed means no debt label

A staked habit with no unresolved balance now shows its daily stake and no owed chip. If there is a real balance, the exact amount still appears, such as $5 owed.

The underlying money state was always safe

This was a display wording defect, not a charge or billing error. The release also adds real-render regression coverage for zero, missing, and positive balances.