Chip service and actions, fixed ChipBankCard with delta popup, sounds, spinner, and arena integration; chip bank migration and tests. Arena diffs are the chip-card mounts and join/leave spinner dispatches.
Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)
Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>
