MAJOR: negative rates not expressible on several paths (human per-loan bids, bid-loan/bid-loans builtins) #126
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Found by the v0.6.0 review (issue #118). The v0.5.0 negative-rates feature is half-wired:
Verified: two brains bidding via (bid-loans -0.05) and (bid-loans -0.01) → every loan booked at 0 (both clamped); the same bids returned from the hook → -0.05 wins the auction. The neg_rates tests pin the ±cap behavior at the award level, so the engine is right; only these entry points are wrong.