Offer a password the first time you lock

Locking with no password locks nothing — the wallets sit on the device
under an empty one and reopen with a tap. So the first deliberate lock
now asks whether to set one, explaining plainly what happens if you
don't. 'Not now' is a real answer, recorded, and never asked again: a
wallet that nags is a wallet people stop reading.

The offer rides the deliberate lock only. lock() is also where the idle
timer, the last-wallet-removed path and boot-after-expiry land, and a
password form appearing because you went to lunch is a different app
than the one you left.

Two subtleties worth naming: the offer is set after lock()'s ui reset
block, which clears ui.pw and had been swallowing it; and taking the
offer re-enters lock(), which now finds a password and lands on the
unlock screen instead of the wallet list.

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

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