Global rate-aware request proxy + lighter polling

429 handling: route every outgoing request (address, utxo, txs, fees,
broadcast) through one scheduler. A 429 from ANY request now pauses ALL
subsequent requests with exponential backoff (2s→30s), easing off after a
streak of successes — instead of only cooling down the same host/kind.

Fewer requests: derive balance from /address chain_stats (no /utxo needed
just to total), and on background polls fetch only /address. The heavier
/utxo + /txs are pulled only on first load or when the balance/addresses
actually change. Idle polls drop from ~3N requests to ~N.

Co-Authored-By: Claude Opus 4.8 (1M context) <[email protected]>

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