feat: add quiet reading with rare confirmations

Part of the quiet-user-feedback change; docs and specs land in their own repositories.

src/entities/bank-card/api/banking.test.tsx

@@ -147,7 +147,7 @@ describe("banking API", () => {
 				expect(url.searchParams.get("from")).toBe("2026-09-01");
 				expect(url.searchParams.get("to")).toBe("2026-09-30");
 				if (isFail && page === 2)
-					return HttpResponse.json({ code: "FAILED" }, { status: 500 });
+					return HttpResponse.json({ code: "NOT_FOUND" }, { status: 404 });
 
 				return HttpResponse.json({
 					hasNext: page === 1,
@@ -299,7 +299,7 @@ describe("banking API", () => {
 		expect(result.current.query.data?.balance.value).toBe("100");
 		server.use(
 			http.get("*/api/v1/bank-cards/a", () =>
-				HttpResponse.json({ code: "INTERNAL_ERROR" }, { status: 500 }),
+				HttpResponse.json({ code: "NOT_FOUND" }, { status: 404 }),
 			),
 		);
 		await act(() => result.current.query.refetch());