feat(savings,deposits,current-accounts): streamline account activation flow

Matches the backend change that stopped auto-depositing money at
activation: removes the opening-balance field from every Activate
screen (Savings, Current, FD, RD) since funding now happens as a
separate deposit afterward, and removes the Digital-Facility step from
every Create wizard since every facility starts disabled by default
and gets turned on later through Edit Nominee & Features.

Also merges Approve+Activate into a single action for Savings,
Current, FD and RD accounts -- one click takes the account straight to
Active instead of two separate screens.

src/app/current-accounts/current-account-stepper/current-account-digital-step/current-account-digital-step.component.html

@@ -15,7 +15,6 @@
       <h3 class="dig-header__title">Digital &amp; Account Features</h3>
       <p class="dig-header__sub">Toggle the facilities available for this account (as per RBI guidelines)</p>
     </div>
-    <span class="dig-header__badge">FROM PRODUCT</span>
   </div>
 
   <div class="dig-grid">

src/app/current-accounts/current-account-stepper/current-account-digital-step/current-account-digital-step.component.ts

@@ -52,12 +52,11 @@ export class CurrentAccountDigitalStepComponent {
     }
   }
 
+  // Note: a new account always starts with every digital facility off, even if the product has
+  // its own defaults configured -- those are enabled deliberately, one at a time, after the
+  // account is created and active, not inherited automatically at opening.
   @Input()
-  set currentAccountProductTemplate(value: any) {
-    if (!this.hasExistingAccount && value?.accountFacilityConfig) {
-      this.facilityConfig = { ...DEFAULT_FACILITY_CONFIG, ...value.accountFacilityConfig };
-    }
-  }
+  currentAccountProductTemplate: any;
 
   get currentAccountDigital() {
     return { accountFacilityConfig: { ...this.facilityConfig } };

src/app/current-accounts/current-account-stepper/current-account-preview-step/current-account-preview-step.component.ts

@@ -136,12 +136,11 @@ export class CurrentAccountPreviewStepComponent implements OnChanges {
     return this.currentAccountSettingsForm?.getRawValue?.() || this.currentAccount || {};
   }
 
+  /** Digital facility config as actually captured by a digital step in this wizard -- no fallback
+   *  to the product's own defaults, since account creation no longer has a digital step at all and
+   *  must not preview facilities the officer never actually chose. */
   get digitalFacilityConfig(): any {
-    return (
-      this.currentAccountDigital?.accountFacilityConfig ??
-      this.currentAccountProductTemplate?.accountFacilityConfig ??
-      null
-    );
+    return this.currentAccountDigital?.accountFacilityConfig ?? null;
   }
 
   get hasDigitalSection(): boolean {