fix(folio): do not attribute an effect to an unconfirmed action

submitChangesBalanceByTypedAmount and createdAccountHasNonZeroBalance both
convict by pinning an effect on the last action, so both decline unless the
runner saw it applied. The fixtures now say which fate they mean.

pkg/spec/test/folio-new-account.test.ts

@@ -3,8 +3,12 @@ import { test } from "node:test";
 
 import { createdAccountHasNonZeroBalance } from "../../../examples/folio/sanderling/predicates.ts";
 
-const created = { kind: "Tap", on: "testTag:AddAccountScreen > testTag:AddAccountSubmit" };
-const idle = { kind: "Tap", on: "testTag:HomeScreen > testTag:AccountCard" };
+const created = {
+  kind: "Tap",
+  on: "testTag:AddAccountScreen > testTag:AddAccountSubmit",
+  applied: true as const,
+};
+const idle = { kind: "Tap", on: "testTag:HomeScreen > testTag:AccountCard", applied: true as const };
 
 const account = (name: string, balance: number | null) => ({ name, balance });
 
@@ -27,7 +31,7 @@ test("a double-tapped create is judged the same way", () => {
   assert.equal(
     createdAccountHasNonZeroBalance({
       route: "home",
-      lastAction: { kind: "DoubleTap", on: "id:AddAccountSubmit" },
+      lastAction: { kind: "DoubleTap", on: "id:AddAccountSubmit", applied: true },
       typedName: "Travel",
       before: [account("Checking", 0)],
       after: [account("Checking", 0), account("Travel", 5000)],
@@ -233,3 +237,20 @@ test("a card that was already there is not a card that was just created", () =>
     false,
   );
 });
+
+// The apply call failed with the gesture possibly already delivered, so nobody
+// knows whether that account was created. The card carrying the typed name may
+// be an older one that scrolled into view, and attributing it to a creation
+// that may never have happened is a conviction built on a guess.
+test("a create the runner could not confirm attributes nothing", () => {
+  assert.equal(
+    createdAccountHasNonZeroBalance({
+      route: "home",
+      lastAction: { ...created, applied: null },
+      typedName: "Travel",
+      before: [account("Checking", 0)],
+      after: [account("Checking", 0), account("Travel", 5000)],
+    }),
+    false,
+  );
+});