fix(auth,bank): guard switch-auth nav and surface banking retry

AuthForm disables the switch-auth Link while submit is pending so pointer
click and Enter can no longer leave the auth route and lose the draft/error
context. The form restores a true Link after the request settles.

CardsPage/CardPage distinguish cold vs cached banking failures:
- cold card/section errors expose accessible alert + retry
- cached failures keep the previous data and offer a section GET retry
- summary-only/history-only outages do not hide successful sections
- notFound still skips the retry CTA

Tests cover the pending link guard, cold/cached cards error with retry,
summary failure with retry, and the prerequisite card list recovery.

Closes #56, #57

src/entities/bank-card/ui/BankSummary/BankSummary.view.tsx

@@ -10,6 +10,7 @@ import { formatMoney } from "@/shared/lib";
 import type { BankSummary } from "../../api/types";
 
 import { bankOperationAppearance } from "../../model/operation-appearance";
+import { BankFeedback } from "../BankFeedback";
 import classes from "./BankSummary.module.css";
 
 const CATEGORY_COLUMNS = 2;
@@ -17,9 +18,10 @@ const CATEGORY_COLUMNS = 2;
 type BankSummaryViewProps = {
 	all?: boolean;
 	data?: BankSummary;
-	error: boolean;
+	error: unknown;
 	fetching: boolean;
 	loading: boolean;
+	retry?: () => void;
 };
 
 const BankSummaryViewCategories: FC<BankSummaryViewProps> = (props) => {
@@ -122,7 +124,14 @@ const BankSummaryView: FC<BankSummaryViewProps> = (props) => {
 
 			<BankSummaryViewCategories {...props} />
 
-			{props.error && !props.data && <Text role="alert">{t("bank.error")}</Text>}
+			{Boolean(props.error) && (
+				<BankFeedback
+					cached={Boolean(props.data)}
+					error={props.error}
+					loadingError={!props.data}
+					retry={props.retry}
+				/>
+			)}
 		</Stack>
 	);
 };