Get an address immediately, without waiting on a signer prompt

The passive setup path asked the browser extension to sign the claim,
so it sat behind a permission popup — 20s per attempt, retried, hence
the minute-long spinner ending in the manual form. The wallet's own key
now makes that claim: no signer, no prompt, no wait. Tying the address
to the user's real npub happens at login instead, where the signer is
already live, and nominates the wallet key to manage the record after.

Failures are visible now rather than hidden: the pane shows why setup
failed, the watchdog is 12s instead of 60s, internal timeouts are
tighter, and the registrar logs every refusal with its reason.

Co-Authored-By: Claude Fable 5 <[email protected]>

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