Teach the no-money-prospect play everywhere it can come up

Three-way sort (cost confusion -> debit card path; priority -> the
$27 video; genuinely broke -> "not yet" + payday follow-up) with the
hard no-fronting rule. Baked into the chatbot canned answers, the AI
prompt objections, and the coaching skill docs.

public/chat.js

@@ -34,6 +34,8 @@
      a:()=>`Great question — and we checked it on-chain, not just in theory. The contract needs <strong>no one</strong> to keep it running: joins, upgrades, placement and every payout are fully automatic — no button anyone has to press, no expiry. If the creators walked away, lost their keys, or vanished, member payments keep flowing exactly as coded. We also verified that the founder, development and fee wallets are <strong>ordinary wallets, not programs</strong> — an ordinary wallet always accepts an incoming payment even if its key is lost forever, so a dead admin wallet can't jam a single member payment (at worst the project's <em>own</em> fee sits there uncollected). And the contract holds no stored balance — every payment is delivered in the same transaction. Full write-up in section 6 of <a href="/contract">rmcircle.team/contract</a>.`},
     {k:['pyramid','ponzi','pyramid scheme','ponzi scheme','mlm','recruiting scheme','is this a scheme'],
      a:()=>`A pyramid or Ponzi scheme funnels everyone's money to a central company and pays earlier joiners out of later joiners' deposits — and you can't verify any of it. This is the opposite: <strong>no company holds the money</strong>. A public smart contract on Polygon sends each payment person-to-person in the same transaction it arrives, and you can read the code and every payout yourself on-chain — nothing pooled, nothing hidden, rules that can't be changed. It <em>is</em> a team build, so it takes real effort and carries real crypto risk — not a passive investment. But you don't have to trust anyone; verify it at <a href="/contract">rmcircle.team/contract</a>. No income is guaranteed.`},
+    {k:['no money','cant afford','can not afford',"can't afford",'broke','they dont have','waiting on payday','no funds to join'],
+     a:()=>`"No money" is usually one of three things — sort it first. (1) Most often it means "this sounds expensive/complicated": entry is about $27 in POL — call it ~$35 all-in — payable with a regular debit card right on the <a href="/join-now">join page</a>. (2) Sometimes it's a priority thing: send the "$27" video from <a href="/tools">Promo Tools</a> and let it do the talking. (3) If they're genuinely broke: tell them honestly "don't join yet" — never rent money, never money they can't afford to lose. Ask "when's payday?" and follow up then — their invite link doesn't expire and the team keeps building publicly while they wait. One hard rule: never pay someone's entry for them.`},
     {k:['fast start','checklist','printable','print','48 hour','48-hour','getting started sheet'],
      a:()=>`Grab the <a href="/fast-start">48-Hour Fast Start sheet</a> — a printable one-page checklist for your first two days. Open it from YOUR dashboard and it comes pre-filled with your invite link and a scannable QR code, then hit the print button (it prints clean black-on-white, in whatever language you've picked with the 🌐 button).`},
     {k:['translate','translation','language','español','espanol','spanish','french','portuguese','not in english','other language'],