Fix the switch that scrollend broke, and land the actual stutter fix. scrollend doesn't fire reliably for programmatic scrolls, so relying on it left the card visually switched but the account state stale. Back to the onScroll debounce — but the real mid-glide stall was never the debounce (it trails the glide's own scroll events and fires after motion stops); it was an EXPLICIT 150ms settle timer in the drag release firing mid-glide. That's gone, so the switch render lands only once the card is at rest. scrollend kept as a bonus early trigger where it does fire

Co-Authored-By: Claude Fable 5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01MrkLsNScXe9b6BviUSdmMr

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