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/savings/create-savings-account/create-savings-account.component.html

@@ -12,9 +12,7 @@
     <fa-icon icon="piggy-bank" class="csa-header__icon"></fa-icon>
     <div>
       <h2 class="csa-header__title">Create Savings Account</h2>
-      <div class="csa-header__sub">
-        Pick a product, confirm currency, set digital channels and review before submit.
-      </div>
+      <div class="csa-header__sub">Pick a product, confirm currency and review before submit.</div>
     </div>
   </div>
 
@@ -76,33 +74,7 @@
       </div>
     </mat-tab>
 
-    <!-- Tab 3: Digital -->
-    <mat-tab [disabled]="!savingsAccountProductTemplate">
-      <ng-template mat-tab-label>
-        <fa-icon icon="mobile-alt" class="csa-tab__icon"></fa-icon>
-        Digital
-      </ng-template>
-      <div class="csa-tab-body">
-        @if (savingsAccountProductTemplate) {
-          <mifosx-savings-account-digital-step [savingsAccountProductTemplate]="savingsAccountProductTemplate">
-          </mifosx-savings-account-digital-step>
-        }
-
-        <div class="csa-actions">
-          <button mat-stroked-button (click)="prev()">
-            <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
-            {{ 'labels.buttons.Previous' | translate }}
-          </button>
-          <span class="csa-actions__spacer"></span>
-          <button mat-raised-button color="primary" (click)="next()">
-            {{ 'labels.buttons.Next' | translate }}
-            <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
-          </button>
-        </div>
-      </div>
-    </mat-tab>
-
-    <!-- Tab 4: Preview / Submit -->
+    <!-- Tab 3: Preview / Submit -->
     <mat-tab [disabled]="!savingsAccountProductTemplate">
       <ng-template mat-tab-label>
         <fa-icon icon="eye" class="csa-tab__icon"></fa-icon>

src/app/savings/create-savings-account/create-savings-account.component.ts

@@ -62,8 +62,8 @@ export class CreateSavingsAccountComponent {
   savingsAccountProductTemplate: any;
   /** Currently visible wizard tab (0-indexed). */
   selectedTabIndex = 0;
-  /** Total wizard tabs — Product, Currency, Digital, Preview. */
-  private readonly totalTabs = 4;
+  /** Total wizard tabs — Product, Currency, Preview. */
+  private readonly totalTabs = 3;
   /** Guards against duplicate submissions from a double-click while the create request is in flight. */
   submitting = false;