fix(svm): Token-2022 post-settlement fallback, sigVerify alignment, tests

Address review feedback from notorious-d-e-v (second review, Mar 23):

Token-2022 post-settlement fallback:
- Balance-delta fallback now derives ATAs for both SPL Token and Token-2022
- scheme.ts captures balanceBefore from whichever token program has a live ATA
- Passes token program hint to verifyPostSettlement for optimized lookup
- When all balance checks throw, correctly returns "unverified" not "balanceDelta"

sigVerify/replaceRecentBlockhash alignment:
- Changed smart wallet simulation from sigVerify:false/replaceRecentBlockhash:true
  to sigVerify:true/replaceRecentBlockhash:false, matching existing Path 1 behavior
- Closes forged-signature attack vector identified in review
- Correct for future durable nonce support per RFC #646

Tests:
- Token-2022 fallback when SPL Token ATA shows no delta
- Hinted token program optimization in balance fallback

Author: BranchManager69