feat(confirmations): block money account withdrawals above withdrawable balance as user types

[jpuri]

Description

The insufficient-money-account-balance alert compared the withdrawable vmUSD against the amount parsed from committed calldata, which lags the input by the debounced encode. Prefer the synchronously recorded last withdraw amount so the blocking alert reacts on every keystroke — Send disables and shows "Insufficient funds" immediately, and clears immediately when the amount is reduced. Mirrors mobile, which evaluates the pending typed amount.

Changelog

CHANGELOG entry: Fixed money account withdrawal insufficient funds alert lagging behind the typed amount

Related issues

Fixes: https://consensyssoftware.atlassian.net/browse/CONF-1814

Manual testing steps

1. Open a confirmation for a money account withdrawal (mUSD on Monad)
2. Type an amount above the withdrawable balance
3. Verify Send disables and the "Insufficient funds" alert shows immediately on the keystroke, without waiting for the debounced encode
4. Reduce the amount below the withdrawable balance and verify the alert clears immediately

Screenshots/Recordings

Before

After

Pre-merge author checklist

• I've followed MetaMask Contributor Docs and MetaMask Extension Coding Standards.
• I've completed the PR template to the best of my ability
• I’ve included tests if applicable
• I’ve documented my code using JSDoc format if applicable
• I’ve applied the right labels on the PR (see labeling guidelines). Not required for external contributors.

Pre-merge reviewer checklist

• I've manually tested the PR (e.g. pull and build branch, run the app, test code being changed).
• I confirm that this PR addresses all acceptance criteria described in the ticket it closes and includes the necessary testing evidence such as recordings and or screenshots.

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[github-actions]

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[metamask-ci]

✨ Files requiring CODEOWNER review ✨

✅ @MetaMask/confirmations (2 files, +52 -2)

• 📁 ui/
  • 📁 pages/
    • 📁 confirmations/
      • 📁 hooks/
        • 📁 alerts/
          • 📁 transactions/
            • 📄 useInsufficientMoneyAccountBalanceAlert.test.ts +38 -0
            • 📄 useInsufficientMoneyAccountBalanceAlert.ts +14 -2