input: Write a function to transform a list into a 3x3 matrix with specific zero placements.
  assert transform_to_matrix([1, 2, 3, 4, 5]) == [[1, 2, 3], [4, 5, 0], [0, 0, 0]]
  assert transform_to_matrix([9, 8, 7, 6, 5, 4]) == [[9, 8, 7], [6, 5, 0], [0, 0, 0]]
  assert transform_to_matrix([1, 1, 1, 1, 1]) == [[1, 1, 1], [1, 1, 0], [0, 0, 0]]
output: def transform_to_matrix(lst):
      matrix = [[0, 0, 0] for _ in range(3)]
      for i in range(min(len(lst), 9)):
          matrix[i // 3][i % 3] = lst[i]
      return matrix