Balance card gear replaces Accounts; Spending's coins live behind it

- The "Accounts" pill on each balance face is now a gear. It opens that
  face's settings: Spending leads with its coins (renewal, the
  co-operative move to Savings, unilateral exit), then Security (lock,
  change password), the recovery phrase, auto-logout; Savings adds its
  public key. A wallet with no nostr identity also gets sign-in and
  log-out there, since it has no profile page to hold them.
- The exit cost is no longer said under the balance; the Spending
  settings state it, always, not only when coin chains run deep.
- The lone Manage link under the balance is gone (the gear is the way
  in); warning notices that are about the coins link to the same page.
- The Accounts list, Add wallet and Delete all are no longer reached
  from the wallet (Delete all stays behind profile > Log out > forget).
- Tests follow the gear: padlock-ask, lock-wallet and account-access
  pass again; cooperative-exit-ui clicks the Spending gear.

Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01Dmcrt9KyNDKVWFKnb8BREo

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