Improve market question auto-load timing

[KillariDev]

Summary

• Delay question auto-loading until the question count is resolved, and skip auto-load when the resolved count is zero.
• Track auto-load attempts by active universe ID so rerenders do not trigger duplicate loads for the same universe.
• Surface async loading errors from useZoltarUniverse instead of swallowing them, and update market question handlers to match the async flow.
• Expand market section coverage with regression tests for unresolved counts, zero counts, universe changes, and retry behavior.

Testing

• Not run: bun run tsc
• Not run: bun run test
• Not run: bun run format
• Not run: bun run check
• Not run: bun run knip