A federal judge has declined to approve a proposed settlement in a class-action lawsuit that would give the plaintiffs nothing and their lawyers $98,500.In a written opinion, U.S. District Judge Edmond E. Chang rejected the notion that he was forcing lead class counsel Joseph J. Siprut of Siprut P.C. to work — as Siprut put it — as an “indentured servant at a loss.”Chang agreed with Siprut that a lawyer for a class is supposed to be “incentivized” to get as good a recovery as possible …