refactor: tighten types and reuse instrument UI

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

@@ -403,7 +403,7 @@ describe("banking API", () => {
 		);
 
 		await waitFor(() =>
-			expect(result.current.categories.data?.[0].name).toBe("Food"),
+			expect(result.current.categories.data?.[0]?.name).toBe("Food"),
 		);
 		await act(() =>
 			result.current.updateCategory.mutateAsync({
@@ -412,7 +412,7 @@ describe("banking API", () => {
 			}),
 		);
 		await waitFor(() =>
-			expect(result.current.categories.data?.[0].name).toBe("Groceries"),
+			expect(result.current.categories.data?.[0]?.name).toBe("Groceries"),
 		);
 		await act(() =>
 			result.current.updateOperation.mutateAsync({