Stop full-scanning the API on every load; go Live before Nostr

The refresh request storm (and the 429s) was a full API re-scan running on every
load even when the local cache or Nostr already held the complete state. Now the
full scan runs ONLY when there's neither cache nor Nostr (a seed on a fresh
device); otherwise the socket + frontier poll keep things current and reconcile
held coins — a handful of requests instead of re-querying every historical
address plus its utxos and txs.

Also reordered: startRealtime() now runs BEFORE syncFromNostr (which blocks up to
6s waiting on the relay) and before any discovery scan, so the wallet goes Live
immediately instead of sitting in Polling. retrack() after sync/scan re-subscribes
to the final frontier; a fresh open re-baselines its celebration against it.

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

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