Policy: leaving a match after accepting (two-tier consequences)

[ChronoFinale]

Status: needs triage (policy / enhancement)

Summary

Once a player accepts a match (Balatro-Multiplayer/BalatroMultiplayer#493), they may still need to leave. Consequences should depend on when:

• Leaving after the run has started → treated as a normal loss (full game loss + MMR loss), same as any forfeit mid-game.
• Leaving during the ban phase (before the run starts) → some MMR loss but no game loss, plus possibly a queue-time penalty. Bailing during bans is lighter than abandoning a live game, but shouldn't be free.

Open questions

• How much MMR the ban-phase leave costs (fixed amount vs fraction of a loss).
• Size of the queue-time penalty, and whether it escalates on repeat.
• Exact boundary for "run started" (first blind? deck locked in?).