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planConsolidate returned already-healthy only for wallets with EXACTLY 2 UTxOs, but buildConsolidateWalletTx lands 3 (collateral + working + the fee-reserve remainder as change). The shape consolidation produces can never satisfy its own health check, so every wallet-health tick re-consolidates and pays the ~0.5 AP3X min fee again. Measured in a production deployment: a 45s ticker submitted 232 consolidations and burned ~116 AP3X in about 2.5 idle hours; at the default 600s interval the same loop leaks ~3 AP3X per hour whenever the wallet is not exactly 2 UTxOs. Healthy is now structural: a pure-lovelace UTxO >= collateralLovelace exists, at least 1 AP3X sits outside it, and fragmentation is bounded (<= 6 UTxOs, new optional maxUtxos param). The health check also runs BEFORE the low-balance guard, so a wallet that can already run script transactions is never reshaped or refused. walletHealth gains two independent circuit breakers - halt after 3 consecutive consolidations that never reach healthy, halt past 6 consolidations per 24h - so any future non-convergence costs at most ~1.5 AP3X instead of the whole wallet, plus a docstring that matches reality. Tests: the exact post-consolidation-shape regression, one-step idempotence against the builder output model, candidate boundaries (native assets, 1,628-lovelace-short), healthy-below-reshape-threshold, and breaker behavior including error and reset paths. Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>