fix: default useAccount hook to fetch and watch automatically

[GuiBibeau]

Summary

• Updates useAccount hook to default fetch and watch options to true, matching useBalance behavior
• This ensures account data is fetched and watched automatically without requiring explicit options
• Adds test to verify the new default behavior

Test plan

• Added test for default fetch/watch behavior
• Updated existing test to explicitly disable fetch/watch when testing skip behavior
• All existing tests pass

Closes #112