Make includeTx parameter optional in receiveFor hooks

[TaprootFreak]

Summary

• Add includeTx parameter to sell.hook.ts receiveFor (default: false)
• Add includeTx parameter to swap.hook.ts receiveFor (default: false)
• Only request depositTx when explicitly needed (e.g., when user clicks send button)

Problem

The API was attempting to create a deposit transaction even when the user is just viewing a price quote. This caused "insufficient funds for intrinsic transaction cost" errors when the wallet has insufficient gas for transaction estimation.

Solution

Make includeTx an optional parameter that defaults to false. Consumers should pass includeTx=true only when they actually need the prepared transaction (i.e., when the user is ready to send).

Usage

// Just getting a quote (no depositTx needed)
const quote = await receiveFor(paymentInfo);

// Ready to send transaction (need depositTx)
const sellWithTx = await receiveFor(paymentInfo, true);

Test plan

• Verify sell quote works without errors
• Verify swap quote works without errors
• Verify includeTx=true still returns depositTx when needed