v1.2.0: UX audit — security fixes, accessibility, and polish

Security (P0):
- Fix sidebar remaining interactive behind lock screen
- Extend auto-lock idle detection to include active widget interactions
- Distinguish missing PIN vault from wrong PIN; auto-switch to passphrase

Blocking UX (P1):
- Add 15s timeout for encryption state check to prevent indefinite loading
- Show restart reason in loading overlay after wallet encryption
- Add Force Quit button on shutdown screen after 10s
- Warn user if embedded daemon fails to start during wizard completion

Polish (P2):
- Use configured explorer URL in Receive tab instead of hardcoded URL
- Increase request memo buffer from 256 to 512 bytes to match Send tab
- Extend notification duration to 5s for critical operations (tx sent,
  wallet encrypted, key import, backup, export)
- Add Reduce Motion accessibility setting (disables page fade + balance lerp)
- Show estimated remaining time during mining thread benchmark
- Add staleness indicator to market price data (warning after 5 min)

New i18n keys: incorrect_pin, incorrect_passphrase, pin_not_set,
restarting_after_encryption, force_quit, reduce_motion, tt_reduce_motion,
ago, wizard_daemon_start_failed

src/app.h

@@ -378,6 +378,9 @@ private:
     std::atomic<bool> daemon_restarting_{false};
     std::thread daemon_restart_thread_;
 
+    // Encryption state check timeout
+    float encryption_check_timer_ = 0.0f;
+
     // UI State
     bool quit_requested_ = false;
     bool show_demo_window_ = false;