fix(auto-withdraw): eliminate stale closure in settings persistence

[brightfootlimited-collab]

Problem updateSettings (and by extension calculateWithdrawAmount) captured the settings state value from their outer closure. Because React state updates are asynchronous, a settings change made between renders could be silently overwritten in localStorage when �ddWithdrawalHistory was called shortly after — no error, no warning, user changes just vanished. Reported in #276. ## Root cause s // Before — stale closure const updateSettings = useCallback((update) => { const next = { ...settings, ...update }; // 'settings' may be stale setSettings(next); saveSettings(stream.id, next); // writes the stale snapshot }, [stream, settings]); settings in the dep array means the callback is recreated on every render, but between a setState call and the next render the closed-over value is still the old one. ## Fix Three changes, all in hooks/use-auto-withdraw.ts: 1. Add settingsRef — a useRef kept in sync with state on every write. Gives all callbacks a live, synchronous view of settings without being a stale closure. 2. updateSettings → functional updater s const updateSettings = useCallback((update) => { setSettings((prev) => { const next = { ...prev, ...update }; // always current settingsRef.current = next; saveSettings(stream.id, next); return next; }); }, [stream]); // 'settings' dep removed 3. calculateWithdrawAmount → reads settingsRef.current Drops the [settings] dep array entirely, making the callback stable and never stale. �ddWithdrawalHistory already used the functional updater correctly; settingsRef.current = next was added to keep the ref in sync. ## Testing - Change a setting (e.g. toggle strategy), then trigger a withdrawal history entry before the next render — localStorage now reflects the latest setting, not the snapshot from the previous render. - calculateWithdrawAmount uses the live strategy/threshold values at the moment the interval fires, not the value captured when the interval was set up. Closes #276

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