Add manual Lightning invoice top-up to budget modal#26
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Redesign budget modal from single screen to multi-step flow: - Step 1: Balance display with single Top Up button - Step 2: Preset amount tiles (50/100/500/1000) + custom input - Step 3: QR code invoice with copy button and balance polling Sphinx users skip to payment directly. WebLN users pick amount then pay via extension. Manual users (L402 but no wallet) get QR invoice flow via /top_up_lsat with 5-minute polling timeout. Adds qrcode.react, topUpLsat/topUpConfirm API functions, and plan doc for future no-wallet invoice flow via /buy_lsat.
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Users with an existing L402 can now top up by generating a Lightning invoice, copying it, and paying from any wallet. Polls /balance every 3s until payment is detected, then confirms via /top_up_confirm.
Only shown when an L402 already exists in localStorage — users without one still need Sphinx or WebLN for the initial token.