refactor: align frontend ownership boundaries

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

src/pages/account/ui/components/AccountPageLoading.view.tsx

@@ -0,0 +1,19 @@
+import { Skeleton } from "@mantine/core";
+import type { FC } from "react";
+import { useTranslation } from "react-i18next";
+import { LoadingSkeleton } from "@/shared/ui";
+
+const AccountPageLoading: FC = () => {
+	const { t } = useTranslation();
+	return (
+		<LoadingSkeleton label={t("states.loadingTitle")}>
+			<Skeleton height={32} width="35%" />
+			<Skeleton height={120} radius="md" />
+			{[0, 1, 2].map((index) => (
+				<Skeleton key={index} height={52} radius="sm" />
+			))}
+		</LoadingSkeleton>
+	);
+};
+
+export { AccountPageLoading };