fix: count the network fee in the confirm-screen balance check (closes #154)

The Send button was enabled whenever the amount alone fit the balance, so
a max-value ETH send passed the confirmation screen and failed at
broadcast, after the user had committed to it.

The arithmetic moves into src/shared/txValidation.js as a pure function
over 18-decimal fixed point: native ETH now requires amount + fee <=
balance, and an ERC-20 transfer requires the ETH balance to cover the fee
on top of the token check, reported as its own error. Validation re-runs
when the async estimate resolves; Send stays disabled while the estimate
is pending and when it fails, so an unknown fee is never treated as zero.
The fee messages are static elements that already reserve their space, so
nothing moves when the estimate lands.

The fee reserved is the one the node will actually require. The send pins
no fee fields, so ethers broadcasts a type-2 transaction and the node
validates it against value + gasLimit * maxFeePerGas; gating on gasPrice
would under-reserve by roughly gasLimit * baseFee and let through exactly
the broadcast failure this change exists to prevent. feeReserveWei()
derives that reserve, falling back to gasPrice only where no type-2
pricing exists, and the fee shown on screen is the same figure so the
displayed number and the gate can never contradict each other.

validateTransfer() fails closed: a feeWei that is not a non-negative
bigint under FEE_KNOWN, and any unrecognised feeStatus, block exactly as
FEE_UNAVAILABLE does rather than counting as a fee of zero.

docs/README.md

@@ -265,7 +265,8 @@ The confirmation screen shows:
 - **From and To addresses** with identicons and Etherscan links
 - **Amount** with USD estimate
 - **Your current balance** with USD estimate
-- **Estimated network fee** in ETH with USD estimate
+- **Maximum network fee** in ETH with USD estimate — the reserve the network
+  requires, which the balance check gates on; the transaction usually costs less
 - **Warnings** if the recipient is a contract, a burn address, one of your own
   addresses, on the bundled scam-address list, or labelled as a phisher on
   Etherscan