`getUserBalances` no longer reports a failed balance read as a zero balance (MOO-832). Previously an RPC failure on a single `balanceOf` / `getBalance` call resolved to `{ amount: 0n }`, so consumers received a "successful" response in which a funded wallet read as empty — the Moonwell frontend gates repay-all on that figure, and one transient RPC hiccup during a refetch left the confirm button disabled for 59 users (Sentry MOONWELL-FRONTEND-195).
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