Default usernames from the npub — no onboarding prompt

Every wallet silently claims the first 20 characters of its npub as its
payment address the first time it opens: unique, free, and nothing to
decide. The pick-a-username gate is gone (the generic onboardingView
hook stays as an extension point). A custom name is an optional change
tucked into the payment-address card — and swapping to one releases the
old name so the registrar and DNS stay tidy. Custom names may become
paid later to deter squatting; the default tier keeps working
regardless.

Co-Authored-By: Claude Fable 5 <[email protected]>

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