✨ Reject a fallback for an exhaustive map

A fallback paired with a handler map that already covers `T` was still
accepted, even though its remainder is empty. Fold the guard into
`Handled`'s own (F-bounded) constraint so it is checked after inference;
a conditional in the fallback parameter is evaluated while `Handled` is
still its constraint and rejects every partial map whose handler callbacks
need contextual typing.

CHANGELOG.md

@@ -7,6 +7,8 @@ and this project adheres to [Semantic Versioning](https://semver.org/spec/v2.0.0
 
 ## [Unreleased]
 
+- reject a fallback when the handler map already covers the universe
+
 ## [0.4.0] - 2026-09-20
 
 - move the `_` fallback out of handlers