Auto-withdraw: forward Spending onward past a threshold

Settings → Payments takes a destination, a threshold, and an optional
amount to keep behind. When Spending crosses the threshold the wallet
sends the rest on by itself, resolving the destination the same way the
send form does — an ark address goes native and free, a payment name
prefers its ark instruction before falling back to lightning, an npub
tries its ark advert then its lightning address, and an on-chain
address becomes a cooperative offboard (carving out an exact-amount
vtxo first when it isn't sending everything, since offboards move whole
vtxos).

Money moving without a human watching deserves guardrails: one transfer
at a time, never while another ark action is in flight, a fifteen-minute
backoff after a failure with the reason kept for the card, destinations
validated before it can be switched on, and dust amounts skipped.

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

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