Per-network nostr sync + honest balance loading state

One shared d-tag let a network switch apply the mainnet snapshot to a
signet wallet (the flash of wrong balance) and clobber mainnet state on
the relays. Each network now syncs its own replaceable event (mainnet
keeps the legacy bare tag), snapshots carry netName, and a foreign-net
snapshot is never applied. The balance card spins until cache, Nostr,
or a scan has populated this network once — 'scanning' alone missed the
cache/Nostr window after wallet.load().

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

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