fix(upgrade): handle Level 2 accounts upgraded on Bridge KYC

[islandbitcoin]

Summary

frappe-flash-admin#80 upgrades Bridge-KYC-approved accounts to Level 2 by filing and approving an upgrade request the customer never filled in, with no address and no bank account. This PR is three app fixes for those accounts.

1. Bank cash-out row → Bank accounts for Level 2. With lnflash/flash#517, an L2 account with no bank account reports capabilities.bankPayout: false, which makes the hub row tappable. It used to start the L2 upgrade form, which for an account already at L2 ends in "already at requested level". For currentLevel === TWO it now opens Bank accounts, where adding one works because the upgrade created the ERP party. The older-backend fallback (capabilitiesFromLevel) stops implying bankPayout at L2, matching flash#517.

2. Empty request values no longer blank the form. Loading the latest request into the form copied every address field, and the slice reducers spread their payload. So the request's empty country ("") overwrote the form's "Jamaica" default. On the Business form the Country field then looked filled (its placeholder is "Jamaica") while Next stayed disabled with no message. Now only values the request actually has are copied.

3. An approved request no longer overwrites a flow in progress. The hook reloaded the whole form (request type, personal, business and bank details) whenever the request's status changed. When an automatic upgrade landed mid-flow, that reset what the customer was entering. An APPROVED request now only updates the status card; there's nothing left in it to edit.

Tests

• New use-account-upgrade-hydration.spec.tsx runs the hook's dispatched actions through the real slice reducer:
  • an approved request leaves an in-progress Business flow untouched;
  • an empty address keeps country: "Jamaica";
  • a submitted address and bank account still load.
• account-type-status.spec.tsx: an L2 account's Bank cash-out row opens BankAccounts.
• account-status-derivation.spec.ts: L2 no longer implies bankPayout.
• Mutation-checked: reverting each fix turns its test red.
• use-account-status.spec.ts: the older-backend fallback for L2 no longer implies bankPayout.
• Full suite: 162 suites, 1,900 passed. tsc -p . is clean. eslint shows 0 errors; the 2 warnings in useAccountUpgrade.tsx are already on main.

Deploy order

Ships with lnflash/flash#517, the server half of fix 1. This app change is safe to release before it: on the current backend every L2 still reports bankPayout: true, so the L2 row doesn't change.

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