Logout shouldn't ask for a password nobody set

Wallets save themselves to this device as soon as you open one, encrypted
under an empty password unless you choose one. Logging out still sent
you to 'Unlock saved wallets — enter your password', which asks for
something that doesn't exist and makes logout look like it did something
drastic. It didn't: logout only drops the keys from memory, and 'Clear
all' is the one that deletes.

With no password, logout now returns to the wallet list — honest, since
nothing is protecting those wallets and a blank prompt protects nothing.
With a password set it prompts exactly as before.

Fixed underneath: mergeVaultList derived the comparison xpub with
accountXpubFor's mainnet default, so on any other network it never
matched the stored one and every unlock re-added the same wallet as a
fresh entry — visible as the same wallet listed twice, once watch-only.
The seed-mismatch checks in 'load recovery phrase' had the same default
and would have rejected the correct seed on testnet.

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

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