Show explicit blackjack settlements across the stack

- Replace round payout multipliers with per-player settlement amounts
- Update blackjack panel to display wager, payout, and net results

panel/src/lib/useGameRoom.ts

@@ -8,7 +8,7 @@ interface PlayerInfo {
 }
 
 interface RoundResult {
-    payouts: Record<string, { net: number }>;
+    settlements: Record<string, { wager: number; payout: number; net: number }>;
 }
 
 interface GameRoomState {
@@ -99,7 +99,15 @@ export function useGameRoom(roomId: string, userId: string, role?: string, prefe
 
                 case "GAME_UPDATE":
                     // Broadcast with spectator view — only update state for spectators
-                    setState(prev => prev.isSpectator ? { ...prev, gameState: msg.state } : prev);
+                    setState(prev => {
+                        if (!prev.isSpectator) return prev;
+                        const phase = (msg.state as any)?.phase;
+                        return {
+                            ...prev,
+                            gameState: msg.state,
+                            roundResult: phase === "betting" ? null : prev.roundResult,
+                        };
+                    });
                     break;
 
                 case "PLAYER_JOINED":
@@ -135,7 +143,7 @@ export function useGameRoom(roomId: string, userId: string, role?: string, prefe
                 case "ROUND_SETTLED":
                     setState(prev => ({
                         ...prev,
-                        roundResult: { payouts: msg.payouts },
+                        roundResult: { settlements: msg.settlements },
                     }));
                     break;