ln: time out short-lived RPCs so a hung cl reconnects without restart

A unix-domain RPC socket has no TCP keepalive, so if cl goes
unresponsive while the socket stays open (zombie/half-open), an awaited
call hangs forever — the "stuck spinner past /pay/bob, no error"
symptom. Nothing threw, so the existing reconnect-on-error path never
fired and only an app restart recovered it.

Wrap short-lived calls in a 30s Promise.race timeout (matching
health.ts). A timeout rejects with ETIMEDOUT, now part of isSocketDied,
so the client is dropped and the next call reconnects — no process
restart. Long-polls (waitanyinvoice et al), in-flight payments
(pay/xpay/sendpay/keysend), and bolt12 round-trips (fetchinvoice/
sendinvoice/offer) are exempt: timing those out client-side would risk
leaked debits or break intentional blocking.

Co-Authored-By: Claude Opus 4.8 (1M context) <[email protected]>

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