v1.2.1: Stop the money screens crashing before they can draw

Opening Money crashed the app on a fresh install. An account lookup that a
disabled button was supposed to guard was being evaluated during render
instead, and with no wallets yet it threw before the screen could draw.

The money screens also no longer wait on the language model. They only use
local storage, so they open straight away instead of offering a download first.

What I'd still like to know

Whether the Chrome bounce is really gone. My evidence for the crash is solid — reproduced and fixed. My explanation for "it navigated me to GitHub" is inference: the app has no code that can open a browser, so Android returning to the previously-foregrounded Chrome is the only account that fits.