wallet: Treat unavailable Bails check as inconclusive

On the no-record restore path, a Python/OpenSSL build without RIPEMD-160 can skip the standard Bails seed-identifier rule. Treat that check as unavailable/inconclusive rather than telling the operator that otherwise valid cards are wrong or mixed up. Preserve the SHA-256 Bails-alpha check and the independent fingerprint/no-record confirmation gate.

Implemented and reviewed in focused PR #80. The current head fb8d671 is refreshed directly onto #57 (37eef4d) and therefore already carries the #42 → #46 → #57 ancestry. The runtime commit is patch-identical to the reviewed version; the documentation replay preserves #7/#51's current Core-native seed-source wording while adding only the inconclusive-RIPEMD-160 contract. The sole inline review thread is resolved.

Current exact-head validation for #80:

focused identity/no-record tests: 9 passed normally and 9 under python -O;
Ruff check: clean;
strict mypy for the touched Core module: clean;
git diff --check: clean;
Python-package run 36818915811: success;
Bitcoin Core wallet-fixture run 36818915778: success.

Keep this issue open until the final replay order lands on the settled candidate: #42 → #46 → #57 → #80 → #81. #81 must be refreshed directly onto #80; then rerun the identifier/no-record regressions together with #81's early record-gate tests, the real-Core fixtures, full CI and review-thread audit. #80 is agent-authored and requires the repository's responsible-human review/rewrite-squash policy before merge.