refactor(onboarding): infer step from user state instead of localStorage

[baktun14]

Why

Remove localStorage-based onboarding step persistence in favor of deriving the current step from actual user data (userId, emailVerified, hasManagedWallet). Stored state could go stale or diverge from reality, causing the stepper to land on the wrong step.

Stacked on #3052. Retarget to main once that merges.

What

• Add inferStep(user, hasManagedWallet) + deriveCompletedSteps(step) helpers in OnboardingContainer
• Replace useState for current/completed steps with useMemo derivation
• Drop localStorage reads/writes from OnboardingContainer, VerifyEmailPage, and AuthService.logout()
• Delete @src/services/storage/keys.ts (no longer referenced)
• Add isLoading to onboarding children props; OnboardingView renders a spinner placeholder while data resolves
• Update tests: mock useUser/usePaymentMethodsQuery with proper {data, isLoading} shape, add coverage for each inferred-step branch

[coderabbitai]

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