When the house balance is deeply negative, extract_balanced_safe() correctly sets
target_payout=0 but the lower_bound floor (base_weight × 0.05) still gave expensive
outcomes a non-zero selection probability. A 4000 payin with 10% cap (max redistribution
400) could still select KO1 at 23840 payout (~2.8% chance), causing a 19840 house loss.

Add a hard exclusion: when target_payout ≤ 0 and an outcome's payout exceeds
expected_redistribution (the cap limit), force its weight to 0 if at least one
affordable outcome exists. This makes the cap a binding constraint, not just a hint.
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>