* 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.