Tiny Time Steps During High Mass Transfer Rates in Star & Binary (r24.08.1)

**What were you trying to do?**
I am working on a problem that leads to **high mass transfer rates for a solar-type star orbiting an SMBH**. When the mass transfer rate is above 10^-4 Msun/year, the timestep in MESA becomes very small (dt ~ 10^-5 yrs). This would require ~10^8 timesteps to lose 0.1 Msun. However, when the mdot is below 3e-5 Msun/year, the timesteps are generally very reasonable (dt >10-100 years) and the whole evolution can be completed within a reasonable time.

**Other information**
We also did the same test in a single star case with a range of stellar masses (1, 2, 3 Msun) starting from ZAMS by using the command
`mass_change=-1d-4`
This problem persists with timesteps remaining small.

Any input would be greatly appreciated!

Best,
Philippe

Start by reproducing the reported behavior in the single-star case with the command `mass_change=-1d-4`, comparing timesteps above 10^-4 and below 3e-5 Msun/year. The issue provides no source file or test entry point; done would mean identifying why high mass-transfer rates force tiny timesteps and establishing a practical fix or documented workaround.

Written by the indexing model from the issue text.