Speak about money, not rails: Spending and Saving

The balance card now leads with the total and names the two places money
lives — Spending (instant) and Saving (on-chain) — instead of an
on-chain headline with an 'Ark balance' line hanging off it. A 'Move
money' button under the balance opens one screen that moves funds
either way, replacing a board form buried inside the Ark receive pane.

Strings throughout drop Ark and Lightning: boarding becomes 'Move to
Spending', exiting becomes 'Move to Saving', the receive tabs read
'Instant' and 'Saving address', and How it works explains two balances
and the escape hatch without naming a protocol. The rails keep their
names in the code, where they belong.

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

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