Push notifications for payments and messages; offline Spending notice

The nwcpush notifier grows a second registration kind alongside NWC:
a notify watch of what it can see without keys — kind-1059 wraps
p-tagged at the user (DMs, direct invites), zap receipts (9735/9737),
and wraps authored by the user's community channel keys (chat). It
pushes a typed nudge, throttled per device (chat bursts collapse); the
service worker shows a generic notification unless a window is visible,
and tapping opens the app. The names registrar reports settled
lightning-address receives server-to-server (token-gated /notify), so
the common payment path notifies even with no nostr event in sight.

The app registers silently whenever permission is already granted and
keeps the watch current as communities change; a dismissible card on
the chat home offers to enable it otherwise. Ark zap receipts (9737)
join the relay whitelist so the payment watch can see them.

Also: the offline Spending receive pane now says you're offline and
offers a one-tap switch to Savings instead of spinning forever.

Co-Authored-By: Claude Fable 5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01Wvj4aoeMZwA7VUGdJP9Swi

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