feat: enhance configuration and logging for admin services

- Updated .env.example to enable Redis Lua for lottery risk pool and added configuration for agent settlement.
- Improved AGENTS.md to clarify site operations and admin roles.
- Enhanced PHPUnit configuration with memory limit and cache directory settings.
- Refactored AdminReportQueryService and related services to utilize LimitedQuery for better data handling and truncation warnings.
- Added logging for draw settlement failures in DrawTickService.
- Introduced credit preflight checks and reverse bet hold functionality in PlayerCreditService.
- Improved risk pool management with new Redis lock handling in RiskPoolService and TicketPlacementService.

database/migrations/2026_06_16_120000_add_settlement_bills_owner_status_index.php

@@ -0,0 +1,25 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::table('settlement_bills', function (Blueprint $table): void {
+            $table->index(
+                ['owner_type', 'owner_id', 'status'],
+                'settlement_bills_owner_status_idx',
+            );
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::table('settlement_bills', function (Blueprint $table): void {
+            $table->dropIndex('settlement_bills_owner_status_idx');
+        });
+    }
+};