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* Fix user-triggered Plaid transaction refresh Request a fresh Plaid institution update for explicit user syncs, then poll the saved cursor with bounded retries so private self-hosted instances do not depend on webhooks. Preserve the existing immediate sync and coalesce repeated refresh requests.\n\nCloses #3204 * Address Plaid refresh concurrency races * Preserve Plaid refresh handoff on retry exhaustion * Release Plaid refresh lease on enqueue errors Ensure adapter exceptions cannot leave the shared refresh cooldown occupied when no job was queued.