refactor: align frontend ownership boundaries

Close audit gaps across API drift, query policy, UI, and tests.

src/features/tbank-connection/ui/TbankConnectionSection.test.tsx

@@ -1,24 +1,12 @@
 import { MantineProvider } from "@mantine/core";
 import { QueryClient, QueryClientProvider } from "@tanstack/react-query";
-import {
-	cleanup,
-	fireEvent,
-	render,
-	screen,
-	waitFor,
-} from "@testing-library/react";
+import { fireEvent, render, screen, waitFor } from "@testing-library/react";
 import { HttpResponse, http } from "msw";
-import { afterEach, describe, expect, it, vi } from "vitest";
-import { apiQueryClient } from "@/shared/api";
+import { describe, expect, it, vi } from "vitest";
+import { apiQueryClient, configureAuthClient } from "@/shared/api";
 import { server } from "@/test/server";
 import { TbankConnectionSection } from "./TbankConnectionSection";
 
-vi.mock("@/features/auth", () => ({
-	useAuth: () => ({ accessToken: "test-token" }),
-}));
-
-afterEach(cleanup);
-
 const brokerageAccountsQueryKey = apiQueryClient.queryOptions(
 	"get",
 	"/api/v1/brokerage-accounts",
@@ -39,6 +27,11 @@ const unrelatedQueryKey = apiQueryClient.queryOptions(
 ).queryKey;
 
 function renderSection(client: QueryClient) {
+	configureAuthClient({
+		accessToken: () => "test-token",
+		refresh: async () => true,
+		clear: vi.fn(),
+	});
 	return render(
 		<MantineProvider>
 			<QueryClientProvider client={client}>