fix: reject undercollateralized refinances - #1437
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Fixes #1309.
This PR updates contracts/loan_manager/src/lib.rs::refinance_loan so the collateral sufficiency guard rejects refinances when the existing collateral is less than the requested new amount, and returns LoanError::InsufficientCollateral instead of the unrelated score error.
It also adds a focused regression test for a loan with 1,500 collateral attempting to refinance to 2,000.
Validation: static GitHub API/source inspection only; local Soroban/Rust tests were not run in this environment to avoid installing or executing additional toolchains.