build_signed_plutus_spend was picking the LARGEST ada-only utxo
for collateral and the next-largest for funding. Wallets with
one big change utxo + a small leftover (the typical shape after
any send) hit this with funding=tiny, collateral=huge —
funding+locked couldn't cover payout + script-execution fee +
change min_utxo even with billions of lovelace sitting unused
in collateral.
Fix: pick the SMALLEST ada-only utxo that still qualifies (≥5 ADA)
for collateral, and the LARGEST for funding. Collateral never
gets consumed on the happy path, so its size beyond the 5-ADA
floor is wasted budget; funding has to cover real spend.
Surfaced 2026-05-04 audit-4 phase F2 on the deployed Lucy
container against the always-succeeds Aiken validator.
New regression test picks_smallest_qualifying_collateral_largest_funding
covers the mixed-size-utxo scenario the prior tests missed
(both old utxos were 50-100M ada, so the inversion didn't show).