lnurl: serve local accounts directly instead of deferring to v3 registrar

A recent change made this coinos.io lnurlp endpoint defer any
migrated-flagged account to the v3 names registrar and 404 when the
registrar didn't have the name. But registration stamps that flag on
essentially every account and never syncs names to the registrar, so
this broke lightning-address resolution for nearly all accounts.

The v3 registrar is the front for v3 accounts and falls back to this
endpoint, so this endpoint is the fallback target: it must serve its own
accounts directly and must not defer back (which also avoids a loop once
the registrar's fallback is live). Serve the local account; 404 only when
no local account exists.

Co-Authored-By: Claude Opus 4.8 <[email protected]>
Claude-Session: https://claude.ai/code/session_01Dpqu6wizYe1c1g4k5Gd8JK

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