Fix loan valuation definition bypasses

tests/test_valuation_contract_docs.py

@@ -41,3 +41,13 @@ def test_interface_contract_documents_public_valuation_enums_validation_and_mapp
     )
     for marker in required_contract:
         assert marker in interface, marker
+
+
+def test_loan_cache_writers_document_no_inferred_valuation_history() -> None:
+    data_model = _text("docs/data-model.md")
+    interface = _text("docs/interface-contract.md")
+    requirement = _text("docs/requirements/req-003_account-valuation-history.md")
+
+    assert "loan cache writes without an explicit liability definition do not append" in data_model
+    assert "loan cache writes without an explicit liability definition do not append" in interface
+    assert "대출 cache write는 대표 부채 정의가 없으면 이력 후보를 추가하지 않는다" in requirement